You want to offer financing to your clients. Where do you start?
Defacto offers three integration models tailored to your structure, your technical level and your goal. From zero-code to full API, you choose.
- ACPR-licensed operator: 100% of risk borne by Defacto
- Revenue on every financing activated
- Live in less than 10 days
Trusted & Funded +20K SMEs
Three models at a glance
Regardless of your model, Defacto bears 100% of the credit risk.
Partner Program
Referral Partner Program
Your customers are redirected to Defacto for onboarding and financing.
Ideal for brokers, advisors, and outsourced CFOs.
WHITE-LABEL
White-Label API
100% white-label experience: financing appears in your product, under your brand.
Ideal for B2B fintechs and marketplaces.
Approved Platform
Fast-Track Approved Platform
Embedded financing directly within your invoicing flows.
Ideal for approved e-invoicing platforms.
What stays the same regardless of your model
You refer without technical integration
Broker, outsourced CFO, financial advisor or accounting firm. One invitation link is all it takes: Defacto handles onboarding, assessment and financing. You earn a commission on every activated financing.
You have a platform or a digital product
Fintech, B2B marketplace, management software or SaaS. Full REST API, sandbox immediately accessible, live in less than 10 days. Defacto bears 100% of credit risk and the regulatory burden.
You are an approved e-invoicing platform
Approval obtained or in progress for the 2026 mandatory e-invoicing reform. Defacto turns your invoicing flows into recurring revenue: clear revenue share, zero maintenance, first transaction in 7 days. Limited places for September 2026.
What stays the same regardless of your model
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Defacto bears the risk
ACPR licence. 100% of credit risk absorbed by Defacto. You offer the financing, we handle compliance, scoring and collections.
Revenue on every financing
Transparent commissions defined upfront, whichever model you choose. Real-time tracking in your partner space.
Proven infrastructure
Over 20,000 businesses financed since 2021. €1.3bn financed to date. 99.11% of requests via instant transfer. ISO 27001 certified.
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 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.
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?
Not sure yet which model fits you?
20 minutes with the Defacto partnerships team is enough to identify the right programme and estimate your revenue potential.