THE DEFACTO BLOG
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AI & Automation
Future of Credit
April 1, 2026
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4
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The winning bank won’t have branches. It has APIs.
Future of Credit
March 26, 2026
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5 min
read
Credit scoring, open banking, and scoring models: how to assess SMB risk today
Financing 101
January 15, 2026
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5 min
read
E-commerce financing: The best funding options to grow your online business
Financing 101
November 20, 2025
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6 min
read
Which European countries are the most business-friendly for SMEs?
Future of Credit
September 25, 2025
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5 min
read
The quiet comeback of balance sheet fintech (& the math behind it)
AI & Automation
September 4, 2025
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5 min
read
How we make database schema migrations safe and robust at Defacto
Future of Credit
AI & Automation
June 4, 2025
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6 min
read
Smarter lending: Inside Defacto’s breakthrough node-based credit model
Financing 101
April 2, 2025
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5 min
read
What is trade credit? A lever for growth or a potential financial trap?
Future of Credit
AI & Automation
March 27, 2025
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4 min
read
Betting big on embedded finance with Albane de Vauplane
Defacto News
Future of Credit
March 19, 2025
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2 min
read
Defacto increases annual financing to €1.8 Billion to strengthen SMB cash flow in Defense Technological and Industrial Base (DTIB)
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Financing 101
Future of Credit
February 27, 2025
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4 min
read
BNPL for B2B: How SMBs unlock growth without bank loans
Financing 101
February 27, 2025
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4 min
read
Revolving credit: What is it and why is it so valuable for SMBs?
Financing 101
February 17, 2025
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4 min
read
Days payable outstanding (DPO): Understand and optimize this financial ratio
Financing 101
February 17, 2025
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4 min
read
What is days inventory outstanding (DIO) & how can you optimize it?
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Defacto News
AI & Automation
January 29, 2025
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3 min
read
Building modern compliance: How Defacto scales risk management with automation
Financing 101
January 15, 2025
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5 min
read
Self-funding ratio: How to calculate your self-financing capacity
Financing 101
January 13, 2025
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4 min
read
Internal vs. external financing: Understanding the differences and choosing the right strategy
Financing 101
January 10, 2025
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4 min
read
Solvency ratio: A crucial measure of your business's financial health
Defacto News
AI & Automation
December 19, 2024
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4 min
read
How I took 4 months' maternity leave with no backfill, thanks to AI
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Financing 101
December 11, 2024
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6 min
read
Accounts payable (AP) financing: How it works & key examples
Financing 101
December 11, 2024
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5 min
read
Liquidity ratio for SMBs: How to calculate & how to improve yours
Partner Case Studies
Defacto News
December 11, 2024
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3 min
read
How Greenway enables sustainable, connected mobility with Defacto
Defacto News
Future of Credit
December 9, 2024
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5 min
read
Future of embedded lending: Pennylane and Defacto roll out first PDP use case
AI & Automation
Future of Credit
Defacto News
December 4, 2024
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5 min
read
Underwriting at Defacto: Beyond algorithms to transform automated lending
Partner Case Studies
Future of Credit
November 27, 2024
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3 min
read
How GCollect improves invoice collection thanks to Defacto
Future of Credit
November 27, 2024
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6 min
read
Embedded credit 2025: 9 stats signaling the next fintech focus
Defacto News
Future of Credit
November 20, 2024
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4 min
read
2024 wrapped: Our year of AI, e-invoicing, and unveiling LaaS
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Financing 101
November 13, 2024
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5 min
read
What is a reasonable profit margin for a small business? (& how to calculate yours)
Future of Credit
November 6, 2024
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6 min
read
How fintech innovation enhances the business banking customer experience
Financing 101
November 6, 2024
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5 min
read
Working capital financing: how fast funding answers urgent SMB needs
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Future of Credit
AI & Automation
October 24, 2024
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5 min
read
The new standard: How banks & fintechs are innovating the customer experience
Future of Credit
Financing 101
October 17, 2024
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6 min
read
What PSD3 means for banks, fintechs, and small businesses
Partner Case Studies
Future of Credit
October 17, 2024
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3 min
read
How RollingFunds developed a ‘Buy Now, Pay Later’ offer for SMBs with Defacto
Future of Credit
Future of Credit
AI & Automation
October 10, 2024
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6 min
read
Seizing the moment: Didier Valet on fintech, AI, and Europe’s next big opportunity
Financing 101
October 10, 2024
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4 min
read
Everything you need to know about small business cash flow management
Defacto News
Future of Credit
September 30, 2024
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4 min
read
Introducing Defacto Core: Lending-as-a-Service built for lenders to better serve SMBs
Future of Credit
AI & Automation
September 30, 2024
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6 min
read
How open banking and machine learning are shaping modern finance with Patrick Brett
Future of Credit
September 30, 2024
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5 min
read
From competition to cooperation: the new dynamics of financial services with Aurélien Viry
Financing 101
September 19, 2024
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6 min
read
60+ Small business lending statistics & industry trends for 2024
Financing 101
September 19, 2024
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3 min
read
Alternative business lending: non-bank financing options for SMBs
Future of Credit
AI & Automation
Financing 101
September 19, 2024
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6 min
read
Embedded lending explained: what, how, and why now
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Future of Credit
September 11, 2024
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6 min
read
Transforming SMB lending: Bank-fintech collaboration in the post-Covid era with Socheat Chhay
Future of Credit
September 11, 2024
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4 min
read
How to choose your embedded finance partner: A 10-question checklist
Financing 101
Future of Credit
September 4, 2024
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5 min
read
Embedded finance: how it works & key examples
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Future of Credit
Future of Credit
September 4, 2024
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5 min
read
Cowboys & sheriffs: why fintech startups must embrace regulation with Charlotte Gounot
AI & Automation
Future of Credit
September 4, 2024
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6 min
read
How automated underwriting benefits borrowers & lenders
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Financing 101
August 21, 2024
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19 min
read
E-invoicing & e-reporting in France: a guide for SMEs, fintech & banks
Financing 101
August 21, 2024
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4 min
read
Assignment of receivables: how to generate cash flow with unpaid invoices
Financing 101
Future of Credit
August 14, 2024
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5 min
read
What is open banking? Inside this key innovation in the financial sector
Financing 101
July 22, 2024
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4 mins
read
Working capital line of credit: definition, advantages and how to access
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Financing 101
June 19, 2024
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3 min
read
How to navigate post-pandemic financial challenges and optimise cash flow
AI & Automation
June 5, 2024
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6 min
read
AI in lending: how artificial intelligence opens the door for SMBs
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Financing 101
June 3, 2024
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4 min
read
Negative working capital: definition, interpretation and advantages
SMB Stories
May 30, 2024
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read
Strategic financing: how Bellota-Bellota fuels international growth with Defacto
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Financing 101
May 22, 2024
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5 min
read
Seasonal business financing: 5 cash flow factors for short-term campaigns
Financing 101
May 15, 2024
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4 min
read
How to build a financing dossier: the business loan documents you need
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Financing 101
May 13, 2024
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5 min
read
Working capital optimization: Strategies to master the cash conversion cycle
Financing 101
May 6, 2024
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5 min
read
Why working capital management is critical to prepare SMBs for the Paris Olympics
Financing 101
May 6, 2024
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5 min
read
Cash flow forecast: how (& why) to build an effective SMB cash plan
Financing 101
May 2, 2024
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4 min
read
Early payment discounts: How to optimise cash flow with smarter purchasing
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Financing 101
April 22, 2024
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5 min
read
Working capital requirement (WCR): definition, calculation and management
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Future of Credit
AI & Automation
April 16, 2024
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5 min
read
6 bank technology trends driving change in 2024
Financing 101
April 10, 2024
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5 min
read
Supplier relationship management: How to optimise cash flow & maintain relationships
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