We're the first B2B lending platform to be licensed by the ACPR - read more here!
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Get access to instant pay-as-you-go financing to cover stock, marketing, and B2B receivables to grow on your own terms.
Business leaders and owners—Instantly receive a direct financing with our lending management platform.
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Marketplace and fintech partners—scale your lending capabilities with our embedded API.
Learn moreSeamlessly connect Defacto to your accounting, banking, invoice, and treasury tools to automate setup and calculate your lending capacity.
We take pride in our technology to be easy to use but a service is only as good as the people behind it. We’re committed to being available and helpful at every step of the lending process.
Defacto powers a crucial added value feature for us and our clients : short term financing. Fully embedded without application form / documents etc.
Without Defacto, I would be forced to turn down clients and significantly reduce my growth. Because growth costs money. Thanks to Defacto, my growth continues and I can pay my employees on time
I can grow faster by financing my stock through Defacto. The advantage is the dynamic and automatic evolution, my outstanding amount follows my growth and my needs.
We chose Defacto for their flexibility and the quality of the API & API doc. Our collaboration allowed us to improve UX and ease our freelance daily operations.
Time is money and small businesses can’t afford 90-day payment terms. Defacto’s Buy Now, Pay Later B2B lending platform gives businesses the flexibility, control, and acceleration they need to manage their cashflow and growth.
Lending in seconds with no paperwork, no setup, or follow-up needed.
You simply pay for what use. No hidden fees or additional costs.
Complete control to create your own payment terms.
Every business needs financing, and we’re set on making it simple and fair for all businesses to access it.
