Our mission

We created Defacto to give every business access to the critical capital they need

We created Defacto to give every business access to the critical capital they need

The Defacto team - with horses.
At one point, every business needs borrowed money. But traditionally it’s been overly complicated and not universally accessible. We’re changing the lending game by removing administrative overhead and offering an embedded approach that leverages business data to fuel business growth.
How? By creating a connected lending infrastructure that makes it simpler and safer to provide short-term financing to businesses everywhere.
euros lent

Our principles

A small clock with legs and a face.


We prioritize speed above all else as we live in the world of ASAP where time is money.

A transparent character


We embrace risk to make small business financing more accessible on fair terms.

A small rubber band character with legs.


We opt for flexibility whenever we can to put our customers in the driving seat of their own growth.

A down-to-earth team with spunk and sass

At Defacto, we’re passionate about what we’re building but believe the best work environments make space for fun, humility, and fishy puns.
The Defacto team posing with some horses.
The Defacto team.
The Defacto team posing with hockey sticks on ice.
Individual ownership is our guarantee and expectation for every teammate.
We trust by default and give room for risk and failure as it ultimately helps us grow and learn together.
If you’re passionate about helping small businesses thrive and consider yourself street smart, this is the place for you!
Backed by the Best
GFC logoCity Ventures logoNorth Zone logoMotier ventures logoViola logoHeadline logo
In the press
Media Resources
Lean scaling: a playbook from Defacto’s startup journey
Defacto is on a mission to become Europe’s largest API-first B2B lending platform. Co-founders Morgan O’Hana and Marc-Henri Gires explain how they've funded more than half a billion to 10,000 SMEs with only 21 employees.
Defacto gets new credit facility to provide instant financing to small companies
French startup Defacto has closed a new securitization fund that will be used to provide short-term loans to small and medium enterprises via an embedded, API-first approach. This is a new fund of up to €167 million ($183 million) with Citi and Viola Credit acting as the lenders
Paris Is Trying to Steal the UK’s Fintech Crown
A growing number of startups are setting up in the city as the French government pushes to be at the forefront of Europe’s financial technology sector
Meet Morgan O'hana, the new female figure in Fintech
Après avoir fait ses armes chez la licorne Spendesk, Morgan O'hana a cofondé Defacto, solution de crédit instantané pour PME. Lancée il y a moins d'un an, la start-up vient de boucler une deuxième levée de fonds de 15 millions d'euros.
Defacto, a French fintech startup that offers loans to small businesses, just raised $16 million using a 15-slide pitch deck
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