Connect

Effortlessly embed lending in your platform

Looking to grow revenue alongside your customers? Give your small business clients access to frictionless financing, embedded natively in your platform. Easier access to capital boosts value for everyone.

Core

Scale your SMB portfolio with modern LaaS

Lenders no longer need to choose between innovation and scalability. Offer the ideal SMB lending experience with AI-native servicing and instant credit decisions. Maximize profits and retention with our end-to-end lending infrastructure.

power SMB growth through better access to financing

Our mission: deliver essential capital to SMBs with three innovative products. Merging automated underwriting with AI-driven servicing, we’ve created a faster, more delightful lending experience.

27 seconds

the average time to score & deploy funding

600M€

in loans delivered
across Europe

30M+

invoices have trained our AI-native scoring

Licensed

as a regulated financial company by the ACPR

Instant is our guarantee and standard

Time is money, and small businesses can’t afford 90-day payment terms or slow application processes. Defacto gives entrepreneurs the flexibility, control, and speed to manage cash flow and growth on their own terms.

A part of the Defacto software

Simple

Lending in seconds with no paperwork, setup, or follow-up needed.

A part of the Defacto software

Transparent

Pay only for what you use. No hidden fees or additional costs.

A part of the Defacto software

Flexible

Create your own payment terms in complete control.

Use Cases

Working capital
that just works

01

Invoice

Get paid early

Get paid instantly on outstanding receivables to accelerate your cash conversion cycle.

02

Stock

Fund your inventory

Build vital inventory with immediate access to funds. Secure your stock and maintain excellent supplier relationships.

03

Supplier

Finance accounts payable

Secure short-term financing to pay suppliers promptly. Benefit from early payment discounts, and keep cash in reserve.

Get paid early

Get paid instantly on outstanding receivables to accelerate your cash conversion cycle.

Fund your inventory

Build vital inventory with immediate access to funds. Secure your stock and maintain excellent supplier relationships.

Finance accounts payable

Secure short-term financing to pay suppliers promptly. Benefit from early payment discounts, and keep cash in reserve.

Integrations

The embedded difference

Our API-first platform lets you access financing through the platforms you already know and love. Connect your accounting, banking, invoice or treasury tools for a fully integrated financing strategy.

real impact,
really fast

Our tools are easy and intuitive. But a service is only as good as the people behind it. Thousands of businesses trust us to be available and helpful throughout the lending process.
Defacto enables us to accelerate our B2B offering without worrying about WCR constraints. Now, we can respond to demand effortlessly.
Xavier Serre
Head of Finance
Defacto offers essential, embedded short-term financing for our company and clients, integrated directly into our platform without additional paperwork.
Tancrède Besnard
Co-Founder & CPO
I can accelerate my growth by financing my stock through Defacto. My outstanding balance adjusts seamlessly with my growth and needs.
Stéphane Ficaja
Co-Founder
Trusted & loved by 10,000 SMBs and counting
Read case studies
Inspiration

Stay up to date
on the latest news and how to’s

EXPERT VIEWS
Explore insights and predictions from experienced banking and fintech experts on the hottest topics of the moment.
Explore interviews
E-INVOICE GUIDE
Stay up to date on the latest e-invoicing regulation to prepare for the 2026 rollout.
Read the guide
EMBEDDING LENDING 101
Explore what embedded lending is, its key benefits, and why this innovative approach to financing is about to boom.
Read the article
AUTOMATED UNDERWRITING
Learn how AI and APIs can overhaul the underwriting process for both borrowers and lenders.
Read the article
27secs
Average time to get financing

Ready to grow on your own terms?

Get started
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