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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
‍


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Arthur Waller
CEO & Co-founder
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Forward-thinking partners growing faster with Defacto

Why become a Defacto partner

A partnership designed for financing Experts.

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

Help your clients build sustainable, successful businesses, while Defacto takes care of the rest.

What your clients expect… and what we offer

Real-time eligibility

Your clients get an instant response with no paperwork, thanks to the automatic analysis of their accounting data.

Flexible financing

Repayment schedules from 3 to 120 days, with available financing capacity ready to use whenever your clients need it.

Transparent terms

Credit rules are clear and simple, with daily pricing based only on the funds your clients actually use.

Real use cases

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Inventory financing
An e-commerce business stocks up before the sales season, anticipating its cash flow needs to negotiate supplier discounts.
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Purchase order financing
An industrial company signs a major contract. It finances its raw materials to start production for this specific order.
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Receivables financing
An SME invoices a client with 60-day payment terms. It leverages the receivable to avoid slowing down its growth.

Simple financing tools for brokers

A smooth setup for premium client services.

1

Instant eligibility


Check client eligibility in under 30 seconds.

2

One-click invites


Share a link with clients, and Defacto handles the rest.

One-time setup
3

Real-time tracking


Monitor financing and commissions across your portfolio.

4

Zero friction


No files, no paperwork, and no ongoing maintenance.

Invoice request
A customer sitting for their portrait.
With Defacto, we found a partner who listens, can quickly deliver tailored financing, and automates operations. The result: flexibility, responsiveness, and efficiency!
Florent Debled
Groupe ACFI

Trusted by 17,000+ businesses

€1B financed since 2021. €1.8B annual capacity. ACPR regulated. €30M+ raised from top investors.



‍

Learn more

You refer. We finance.
You earn.

One invitation link is all it takes. Defacto handles onboarding, assessment and financing for your clients.

  • Client eligibility checked in 27 seconds
  • Zero paperwork, zero file to build
  • Revenue on every financing activated
Join the Referral Partner Program

Trusted & Funded +20K SMEs

Why join the referral partner program?

For you

Predictable revenue on every financing

Transparent commissions with real-time tracking. No surprises after the deal is signed. You choose your compensation model: upfront at the first financing, or recurring on all loans activated by your clients over a given period.

Zero operational friction

One invitation link is all it takes. No files to build, no follow-ups, no maintenance. Defacto handles onboarding, assessment and financing. You keep the client relationship.

A solution you can recommend with confidence

ACPR-licensed, not an opportunistic fintech. Deals move forward, your clients understand the product, and your credibility stays intact.

For your clients (well-run SMEs)

Defacto is not a last-resort financing tool.

It is a precision instrument for companies that want to actively manage their cash flow, not react to it.

Best suited for: companies with irregular cash flows (B2B, industrial, e-commerce), one-off needs (stock, exceptional orders, customer receivables), founders and CFOs who actively manage their treasury.

On-demand financing, no paperwork

Eligibility checked in 27 seconds via accounting connection. No documents to send, no slow bank approval.

Flexible, invoice by invoice

Your clients use their capacity when they need it, for 3 to 120 days. They pay only for what they use.

Transparent, no surprises

Clear daily pricing, calculated automatically. No hidden fees, no subrogation, no impact on their client relationships.

Your tools, simplified

Everything you need to know before you start.

Check eligibility in 27 seconds

Pre-scoring module: qualify your prospects before even inviting them. You immediately know who can be financed and for how much.

Invite your clients in one click

A personalised link is all you need. Your clients sign up on their own, get their financing capacity and activate their first loan without your involvement. No back and forth, no paperwork.

Track your revenue in real time

Full dashboard: activated clients, ongoing financings, commissions generated. Automatic monthly payment. No surprises.

Zero ongoing
maintenance

No files to track, no follow-ups, no client support. You refer, Defacto executes. You stay the trusted advisor, without the operational burden.

📦 Ready-to-use partner kit

All the material you need to convince your clients in 2 minutes:

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Defacto presentation deck

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Client email templates (3 versions for different situations)

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Social media visuals (LinkedIn posts ready to use)

Transparent pricing

For your clients

From 0.8% per month depending on duration and risk profile. Daily pricing calculated automatically at activation.

The real question: what is the cost of a decision not made at the right time? The cost of missed opportunities (supplier discounts, orders, volumes) often far exceeds the cost of financing.

Learn more

For you

Option 1: Upfront

Commission paid at the client's first activated financing. Ideal for generating immediate cash.

Option 2: Recurring

Commission on all financings activated by the client over a given period. Ideal for predictable, recurring revenue.

No hidden fees. Full transparency. Real-time tracking in your partner dashboard. Automatic monthly payment, no admin required.

Learn more

Leading the embedded lending wave

At some point, every business needs access to credit. Yet, traditional lending is slow, complex, and often out of reach for many SMBs. We're changing that by building a connected lending infrastructure that makes short-term financing simple, flexible, and instantly accessible within existing business workflows.

+40M€
in funding raised
+1,3 B
funds deployed
+240k
loans deployed
75M+
transactions processed
25 000+
SMEs supported
+20
embedded partners

A regulated and certified financial partner.

REGULATIONS

ACPR Approval

Regulated and supervised financing company, subject to the same prudential requirements as a bank.

DATA

ISO 27001 Certification

Certified information security management. Your users’ data is protected according to the highest industry standards.

PAYMENTS

PSD2 Compliance

Bank connection with strong authentication. Credentials encrypted end-to-end.

Join the program: 3 steps, 10 minutes

Regardless of your model, Defacto bears 100% of the credit risk.

1

Create your partner account

Sign up in 5 minutes. Access your dedicated space and pre-scoring tools immediately.

2

Qualify and invite your clients

Check eligibility in 27 seconds with the pre-scoring module. Send a personalised link to eligible clients. They sign up on their own, connect their accounting, get their capacity and activate their first financing without your involvement.

3

Track your commissions in real time

View your dashboard: activated clients, ongoing financings, revenue generated. Automatic monthly payment. Full transparency, zero admin on your end.

Frequently asked questions

Everything you need to know before you start.

How much can I borrow?

Do I need to change banks or change the way I operate?

What type of company is Defacto for?

Do I need to build files for my clients?

How does the compensation work?

Will my clients know I am a referral partner?

What if my client is not eligible?

Is Defacto more expensive than a bank?

Do my clients need to notify their own clients?

How long before my client gets their first financing?

Can I recommend Defacto even if my client already has a bank or a factor?

Is Defacto a serious operator?

You refer. Defacto finances. You earn.

Spend 20 minutes with Julia, our partnerships manager. She will walk you through the program and give you immediate access to your partner dashboard.

Book a call with Julia
By clicking
"Accept"
, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our
Privacy Policy
for more information.
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