Embed SME financing in your offering. Choose your model.
Whether you are a broker, fintech, B2B marketplace or e-invoicing platform: Defacto offers a partner programme tailored to your structure and integration level.
- ACPR-licensed operator: 100% of risk borne by Defacto
- Revenue on every financing activated
- From zero-code to full API: you choose
They have already integrated Defacto
Our 3 partner programs
Referral Partner Program
You are a broker, outsourced CFO, agent or financial advisor. One invitation link is all it takes. Defacto handles onboarding, assessment and financing for your clients. You earn a commission on every activated financing, with no file to build.
Discover the Referral Partner Program →
White-label embedded API
You are a fintech, B2B marketplace or platform that wants to embed financing directly into your product. Defacto makes its ACPR licence, scoring and risk management available to you via a REST API. Under your brand. Live in less than 10 days.
Discover the white-label API →
Fast-Track Program for Approved Platforms
You are an approved platform in the context of mandatory e-invoicing in 2026. Defacto lets you monetise your invoicing flows as recurring revenue, with no infrastructure to build and no risk to bear.
Discover the Fast-Track 2026 programme →
Why become a defacto partner?
Generate revenue on every financing
Transparent commissions defined upfront. Clear revenue share on every activated financing. Real-time tracking in your partner space. Automatic monthly payment.
A solution you can recommend without risking your credibility
Licensed financial institution, proven infrastructure, transparent pricing. Over 25,000 SMEs financed since 2021. Your clients understand the product, deals move forward.
Zero risk, zero regulatory burden
Defacto is ACPR-licensed. We bear 100% of credit risk, regulatory compliance and collections. You offer the financing, we handle the rest.
What your clients get
Decision in 27 seconds
+150 indicators analysed in real time. Your clients immediately know what they can finance, with no documents to send.
Instant transfer
99.11% of financings paid via instant transfer. Funds arrive the same day.
Flexible terms
From 3 to 120 days for invoice financing and up to 6 months for Flex Treasuryt depending on the need. No global commitment, no portfolio assignment. Your clients pay for what they use.
Who can become a partner?
Infrastructure that delivers
Choose your program. Go live in less than a week.
From referral to full API integration: one partner programme, three models, zero credit risk on your side.