You recommend. We finance. You earn.
Offer clients a short-term financing solution, embedded directly within your application.
✅ Instant decision
✅ On-demand activation
✅ Zero paperwork
Forward-thinking partners growing faster with Defacto
Why partners love Defacto
A partnership designed for financing professionals. Offer fast financing to customers without any risk or regulatory overhead.
A simple, concrete solution for clients
Customers get fair financing with flexible rules and clear repayment schedules.
Additional revenue with minimal effort
Build long-lasting client relationships and extra income streams, without added sales or support effort.
Better advisory services for clients
Guide clients to build sustainable, successful businesses, and help keep their cash flowing smoothly. Defacto does the rest.
Deliver the quality services your clients expect
Immediate access
Customers get automated, instant financing decisions with no paperwork, thanks to direct accounting & banking connections.
Flexible financing
Repayment schedules from 3 to 120 days, with credit available to use as and when your clients need.
Transparent terms
Credit rules are clear and simple, with daily pricing based on the funds your customers actually use.
Flexible partnership options
Choose the integration method that best suits your needs—whether no-code or low-code, Defacto enables seamless financing for your customers.
Connect (Embedded API)
Liquid (No-code)
Real use cases
Simple financing tools for brokers
A smooth setup for premium client services.
Instant eligibility
Check client eligibility in under 30 seconds.
One-click invites
Share a link with clients, and Defacto handles the rest.
Real-time tracking
Monitor financing and commissions across your portfolio.
Zero friction
No files, no paperwork, and no ongoing maintenance.
Trusted by 17,000+ businesses
€1B financed since 2021. €1.8B annual capacity. ACPR regulated. €30M+ raised from top investors.