E-INVOICING PLATFORM:
Monetise your flows. Without managing anything.
Turn your invoicing flows into recurring revenue. Defacto handles 100% of the financing, risk and back-office.
- Clear revenue share on every financing granted
- Zero team to mobilise, zero maintenance
- First transaction in less than 7 days
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They have already integrated Defacto
Why integrate Defacto into your platform?
Monetise every flow
Turn your invoicing flows into recurring revenue. Clear revenue share on every financing granted, revenue on interchange and transfers. Every SME client becomes an additional revenue line.
Zero maintenance, zero risk
Defacto handles 100% of financing: credit risk, regulatory compliance, collections. ACPR-licensed lender with its own refinancing capacity. No team to mobilise. No process to maintain. No risk for you.
A ready-to-use multi-product catalogue
Invoice financing, cash advance, B2B BNPL, business card, instant payout. One partner, multiple products available. A turnkey financial catalogue you offer to your clients without any development or management.
What your customers get
Real-time eligibility
Your clients get a response in 27 seconds, without 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 terms
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 daily 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
A regulated and certified financial partner
Priority integration
Queue bypassed. Direct access to our tech and business teams for accelerated go-live.
Co-marketing and visibility
Joint campaigns, case studies and co-branded content. You 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.
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.
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 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.
PAYMENTS
A proven track record
Over 20,000 businesses financed since 2021. €1.3bn financed to date. 99.11% of requests processed via instant transfer. 99.995% platform uptime.
Turn your flows into revenue. Starting now
Join the Fast-Track 2026 programme and start generating revenue next month.