Capital by API
not paperwork.
1-click B2B financing.
They trust us
Built for builders, not bankers
Instant Embedded Lending
"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!"
"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."
"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!"
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
"The great benefit is the flexibility. The credit line follows the growth of the company, there's no minimum of financing, nor commitment"
"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."
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.
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.