WHITE-LABEL EMBEDDED API: Monetise your flows. Without managing any risk.
Your product finances your SME clients. Our licence. Our risk. Your brand. Defacto puts its credit infrastructure, ACPR licence and risk management at the service of your product, under your brand. You keep the client relationship. We handle the rest.
- Transparent revenue share on every financing granted
- Zero team to mobilise, zero maintenance
- 100% of credit risk borne by Defacto
They have already integrated Defacto
A complete financial catalogue, activatable product by product.
Choose the products relevant to your use cases. Activate them in your interface. Your SME clients access them without ever leaving your product.
Purchase order financing
Your clients have a confirmed order but not the funds to produce? Activate instant financing on purchase order, repayable on delivery, with no impact on their banking facility.
Receivables financing
Give your SME clients instant conversion of their invoices into working capital. Rather than waiting 30, 60 or 90 days, the transfer is credited the same day.
Supplier invoice financing
Allow your clients to pay their suppliers today and repay up to 4 months later, without locking up their cash or disrupting their purchasing.
Treasury Flex
An on-demand credit line to smooth activity, absorb a cash gap or seize an opportunity. Flexible, with no fixed commitment.
B2B credit card
A corporate card with a credit line calibrated to each SME client's actual activity. Business expenses, flexible repayment. Coming soon.
WHY INTEGRATE DEFACTO INTO YOUR PRODUCT?
Monetise every flow
Every financing activated by your clients generates a transparent, pre-agreed revenue share. Revenue on interchange and transfers. Every SME client becomes an additional revenue line.
Zero maintenance, zero risk
Defacto handles 100% of the financing: credit risk, regulatory compliance, collections. ACPR-licensed financial institution with its own refinancing capacity. No team to mobilise. No process to maintain. No risk for you.
A turnkey multi-product catalogue
Invoice financing, cash advance, B2B BNPL, B2B credit card, instant payout. One partner, multiple products available. A ready-to-use financial catalogue you offer your clients with zero development or management overhead.
What your client get
Real-time eligibility
Your clients get a response in 27 seconds, with no documents, through automatic analysis of their accounting data.
On-demand financing
From 3 to 120 days depending on the need. Invoice by invoice, no global commitment.
Transparent pricing
Clear daily pricing, calculated automatically. No hidden fees, no subrogation.
Our integration model
Embedded by Defacto: one model, zero friction.
Native financing in your existing flows. Your clients change nothing. You monetise everything.
Defacto API
Native financing in your interface for everyday use cases. Redirect to Defacto only when necessary. One model, zero compromise on experience. Our product is our API.
- Direct integration into your interface
- Seamless, continuous experience for your SME clients
- Immediate flow monetisation
- Zero maintenance and zero risk
- Recurring revenue from the first use cases
Already integrated at Pennylane, Qonto, Shine. Our infrastructure already handles their volumes. No ramp-up: you start at full capacity.
Integration time: from 1 day for a redirect, 7 days for a full integration
Technical effort: moderate
Maintenance: none
Credit risk: 100% borne by Defacto
Complete white integration:
your brand, your UX, your colors.
JOIN THE DEFACTO PARTNER PROGRAMME
Fully documented REST API, testable in sandbox, live in under 10 days.
Priority integration
Queue bypassed. Direct access to our tech and business teams for an accelerated go-live.
Co-marketing and visibility
Joint campaigns, case studies, co-branded content. Become a market reference.
Dedicated support
A single tech and business contact. No tickets, no bots. Continuous support for as long as you need it.
Pioneer embedded lending in Europe
At some point, every business needs access to credit. Yet traditional lending is slow, complex and often out of reach for SMEs. Defacto is changing that by building a connected credit infrastructure that makes short-term financing simple, flexible and instantly accessible within existing business workflows.
A regulated and certified financial partner
REGULATIONS
ACPR-licensed financial institution
Licensed by the Autorité de Contrôle Prudentiel et de Résolution. You are recommending a serious, long-term operator. Defacto meets the same prudential requirements as a bank.
DATA
Data security
DSP2-compliant banking connection with strong authentication. ISO 27001 certified. Your clients' data is protected to the same standard as a banking institution.
TRACK RECORD
Proven at scale
Over 20,000 businesses financed since 2021. €1.3bn financed to date. 99.11% of requests processed via instant transfer. Platform uptime: 99.995%.
Frequently asked questions
Everything you need to know before you start.
How long to go live?
What is the difference between Connect and Liquid?
Who bears the credit risk?
Is the integration truly white-label?
How does partner revenue work?
Is Defacto a credible and regulated player?
Your product finances your SME clients. Starting now.
Join the 2026 partner programme and start generating revenue next month.