Embed SME financing in your product. Without building anything.
Defacto puts its ACPR licence, scoring engine and risk management at the service of your fintech product. Under your brand. Live in less than 10 days.
- Credit decision in 27 seconds
- 99.11% of financings via instant transfer
- 100% of credit risk absorbed by Defacto
Trusted & Funded +20K SMEs
Why become a defacto fintech partner?
Diversify your revenue without building a new product
Add SME financing to your offering without going through licensing, scoring or risk management. Every financing activated by your users generates a transparent commission, defined upfront.
Extend your eligibility coverage
Our scoring algorithm analyses 97 indicators in 27 seconds. You finance a larger share of your client base, including SMEs that traditional banks do not serve.
Differentiate your offering in a tangible way
Offer embedded financing directly in your existing flow. Your users never leave your product. You become the platform where they manage AND finance their business.
What your customers get
Decision in 27 seconds
97 indicators analysed in real time. Immediate response, no documents to send.
Instant transfer
99.11% of financings paid on the same day. Your users have the funds when they need them.
Flexible, invoice by invoice
From 3 to 120 days depending on the need. No global commitment, no portfolio assignment. Your clients pay for what they use.
Choose the right model for your stack
Choose the model that matches your stack and your ambition - from full-code API to no-code activation in minutes.
Defacto API
Documented REST API, testable in sandbox, live in less than 10 days.
- Real-time eligibility check (27 seconds, 97 indicators)
- Creation and management of financing requests
- Repayment and maturity tracking
- Webhooks for real-time notifications
- Data exports for your internal reporting
- SSO for simplified team access
Complete white integration:
your brand, your UX, your colors.
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.
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?
Embed SME financing. Your users never leave your product.
Test the API in sandbox today. Our technical team supports you from the first line of code to production.