Instant financing. The kind SMEs actually deserve. Finally.
We built Defacto because €700 billion in working capital needs sit waiting, every day, for a solution worthy of the problem. We decided to be that solution.
Leading the embedded lending wave
At some point, every business needs access to credit. Yet, traditional lending is slow, complex, and often out of reach for many SMBs. We're changing that by building a connected lending infrastructure that makes short-term financing simple, flexible, and instantly accessible within existing business workflows.
+40M€
in funding raised
+1,3 B
funds deployed
+240k
loans deployed
75M+
transactions processed
25 000+
SMEs supported
+20
embedded partners
Financing designed for SMEs
SMEs power the economy. They employ most of the workforce.
They create the majority of value. They drive the projects that move entire industries forward. And yet, their financing is still built for another era.
When they need financing, they face processes designed for another era. Endless paperwork. Weeks of waiting for a decision. Opaque criteria. Answers that arrive too late to make a difference.
€700 billion in working capital flows daily between French businesses alone. Less than half is covered by existing solutions. The rest, SMEs carry on their own. Advancing cash, waiting on payments, managing gaps. Often without a safety net, sometimes without visibility.
This isn't inevitable. It's an infrastructure problem.
We built Defacto to solve it. Not by simplifying a form. By rebuilding the entire credit infrastructure to be as fast, as precise, and as reliable as the businesses it's meant to serve.
Financing in seconds. Automated decisioning. Embedded in the tools SMEs already use. Regulated, transparent, fair.
That's Defacto. The instant financing SMEs have long deserved. Available now.
4 solutions tailored to the needs of SMEs and their partners
01. Direct
Self-serve digital lending
for SMBs
02. Liquid
No-code lending solution
for partners
03. Connect
White-labeled, embedded lending API for partners
04. Core
Modular Lending-as-a-Service (LaaS) infrastructure for financial institutions
OUR SHARED DNA
Used by the world's leading companies
A small but experienced team of builders,
scalers & customer-first people
Excellence driving your growth
Award-winning expertise recognized by industry and innovation leaders.
AI COMPANY OF THE YEAR 2025
Awarded in the AI and Data/Marketing category.
Unlocking critical capital (and making noise)
Download press kit
TechCrunch
Defacto gets new credit facility to provide instant financing to small companies
BFM Business
Fintech, between myth and reality with Defacto and BCG
Maddyness
Defacto launches “Lending-as-a-Service” destination for banks
Sifted
How AI could power the next generation of fintech unicorns
Les Echos
Defacto boosts its financing capacity by €1.8 billion to support the defence sector
Business Insider
Defacto raises extension with Citi Ventures
L’agefi
Pennylane and Defacto launch instant financing for e-invoicing
Bloomberg
Brexit Benefits Paris as Fintech Startups Boom in France
Mindfintech
Defacto are licensed by the ACPR
Serious, but never too serious.
At Defacto, we combine fintech expertise, regulatory rigor, and a genuine drive to change things. We're a lean team, amplified by AI and APIs. And we believe the best work environments make room for humor and humility.
KEEP A CLEAR HEAD. STAY IN CONTROL OF YOUR CASH FLOW.
Whether it's for your payments, your inventory or your cash flow, our financing solutions help you move forward with confidence.
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