Capital by API

not paperwork.

1-click B2B financing.

Built for builders, not bankers

Instant Embedded Lending

International coverage

Finance international AP & AR. Onboard your buyers, sellers and clients from France, Spain, Germany, Holland and Italy

Flexible usage, transparent pricing

Daily rate so you can pilot the fees. No minimum usage, no invoice approvals, no fixed fee. You finance on your own terms

Seamless for all users

Instant eligibility results, real-time visibility for partners & fully embedded in your platform. We can manage as little or as much as you want of the recollection process

"We decided to work with Defacto for its flexibility, the quality of its API, and the integration experience.They have been a great ally in our challenge to offer an ever more delightful and seamless payment experience for our clients and freelancers. The team is always available and responsive: a pleasure to work with!"

Corentin Hinz
Corentin Hinz
Product manager

"Our partnership with Defacto brings us a new, crucial, module for our users : short term financing without any paperwork. It has allowed our customers to confidently take on new opportunities so they can continue to grow their businesses."

Tancrède Besnard
Tancrède Besnard
co-founder & CPO

"The quality of their API, the flexibility of their solution, end-customers & dev experience is exceptional. Their API enables companies to access financing at the push of a button. In the first 3 months of our collaboration, we’ve been able to grow our offering in Spain and France, and expand in Germany and Netherlands. We’re very happy to have them as partners!"

Flavio Bezzeccheri
Flavio Bezzeccheri
CTO

Defacto financing provides me extreme flexibility, and enables me to have a great relationship with my partners. I can cash-in invoices early and also increase my payment terms towards my suppliers. And with the Qonto integration, I manage everything from my bank account

Jean Eudes Yahouedeou
Jean Eudes Yahouedeou
Co-founder

"The great benefit is the flexibility. The credit line follows the growth of the company, there's no minimum of financing, nor commitment"

Hugues Chabalier
Hugues Chabalier
Senior Manager - 2CFinance

"I can grow quicker because Defacto finances my stock. The benefit is the dynamic & automated evolution. My credit line follows my growth and my needs."

Stéphane Ficaja
Stéphane Ficaja
Co-founder

Through Defacto we were able to extend our payment terms to our customers in an agile & flexible way. We benefited from working-capital flexibility thanks to the quick receipt of the funds, after a few-clicks invoice submission.

Irina Delecroix
Irina Delecroix
Project manager

Defacto has been able to help us with our clients payment terms. Especially during our scaling phase, where it was crucial to manage our burn rate. And the platform is pretty cool.

Hubert Baya Toda
Hubert Baya Toda
CEO