Your buyers pay later. Your sellers get paid instantly. Your volume takes off.
Give your clients the payment terms they need to grow on your platform. Defacto handles 100% of the financing and risk.
- Credit decision in 27 seconds
- Financing for buyers AND sellers
- 100% of credit risk absorbed by Defacto
Trusted & Funded +20K SMEs
Why become a defacto marketplace partner ?
Increase your GMV without tying up capital
Your buyers can place larger orders with deferred payment terms. Your sellers collect immediately. Transaction volumes grow, Defacto bears the risk.
Extend your eligibility coverage
Our scoring algorithm lets you finance a larger share of your client base. You say yes to more transactions without taking on more risk.
Differentiate your offering in a tangible way
Embedded financing becomes a commercial argument to attract new sellers and retain buyers. Example: Malt pays its freelancers immediately at the end of each mission. Kactus increases the contract value of its clients by offering embedded financing.
What your customers get
Buyers: pay later, order now
From 3 to 120 days of deferred payment. Your buyers place larger orders without immediate cash flow constraints.
Sellers: collect immediately
Your sellers receive funds on the same day, regardless of the buyer's payment maturity. Less stress on timelines, more focus on the business.
Decision in 27 seconds
97 indicators analysed in real time. Immediate response, no documents to send.
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 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.
Can we finance both buyers and sellers?
What is the difference between Connect and Liquid?
How long to go live?
How does partner compensation work?
Is Defacto a serious operator?
Increase your GMV. Defacto handles the financing and the risk.
Test the API in sandbox today. Our technical team supports you from the first line of code to production.