Open facilities, fund borrowers and pay lenders — private credit without the back office.
For borrowers & operators8 min read
Defactor Raise is the desk where private credit actually runs. Instead of juggling onboarding, drawdowns, repayments and reporting across separate tools, you handle the whole facility in one workflow.
This guide walks through what Raise is, the four steps of running a facility, and how one borrower payment gets split cleanly to every lender.
The idea
Private credit, without the back office
Raise consolidates the operational work of private lending into a single credit desk. KYC, drawdowns, repayments and reporting are handled in one place, so the manual work — the spreadsheets and reconciliation — ends here.
You can see facility size, how much is drawn and active borrowers at a glance, and act on them without leaving the desk.
Step by step
How to run a facility
1
Structure the facility
Set the amount, term, interest rate and repayment schedule. This defines the deal before anyone funds it.
2
Open it to lenders
List the facility openly or invite lenders privately. Funding fills live as lenders commit their share.
3
Service the payments
The borrower makes a single payment. Defactor splits it across lenders automatically by their share.
4
Report & match
Statements, balances and audit packs are generated, matched and ready to export whenever you need them.
Tip. Start with one small facility to get comfortable with the flow before opening several at once. The facility book tracks them all side by side.
The mechanics
One payment in, everyone paid out
The hardest part of servicing private credit is splitting repayments fairly and keeping a clean record. Raise does this for you.
The borrower pays once. Defactor calculates each lender's share, distributes the funds and records every movement — so the register is always accurate and audit-ready.
In practice
Acme Trading Ltd repays an invoice into a facility. A lender holding an 8.3% share automatically receives 8.3% of that repayment, and the movement is logged against the facility book.
What you can track
Your live credit desk
Facility book
Track multiple facility types — growth, working capital, equipment finance, invoice bridges — in one view.
Drawdowns
Request and approve drawdowns against a facility, with drawn-vs-available always up to date.
Borrower profiles
Onboard and manage borrowers with KYC built into the workflow, not bolted on afterwards.
Automated repayments
Repayments split and settle automatically, so servicing scales without more headcount.
Run private credit from one desk
See how Defactor Raise handles facilities, funding and repayments in a single workflow.
