Finance buyers and sellers,

increase your GMV

Offer a risk-free lending infrastructure to your clients to drive your volumes up. Our underwriting algorithm allows for maximise coverage, and transparency of the credit lines so you can trigger new and bigger orders

driver of growth

offer your clients credit by API, not paperwork

+78%

of bankruptcy in 2023

Spiking costs, rising interest rates, and pandemic-loan repayments threaten the solvency of SMBs

25%

increase of conversion rate

Boost your conversion rate thanks to seamless payment terms - source

30%

increase in your AOV

Boost your AOV & GMV by offering fair and transparent payment terms

"We decided to work with Defacto for its flexibility, the quality of its API, and the integration experience.They have been a great ally in our challenge to offer an ever more delightful and seamless payment experience for our clients and freelancers. The team is always available and responsive: a pleasure to work with!"
Corentin Hinz

Corentin Hinz

Product manager

BNPL for buyers & sellers

instant seamless experience buyers, sellers & partners

Instant financing

Offer the only seamless financing experience : instant and fully integrated, without added documents

Transparent eligibility

Get real time access to the financing capabilities of your buyers & sellers, to drive upsells & new orders

Grey-label experience

Increase attachment to your brand by delivering Financing in your UX & on your name

Extended coverage

Our Underwriting algorithm maximises eligibility coverage, so you can provide Financing to huge part of your clients

Transparent eligibility

Get real time access to the financing capabilities of your buyers & sellers, to drive upsells & new orders

Drive volumes up

Sell more by offering risk-free payment terms to your buyers and/or sellers

Embedded lending

Offer the only integrated financing experience : instant & no added documents needed

API-first

Financing process in your UX. Where you want it, the way you want it.

Senior engineering team

Partner with a tech-first company, powered by senior engineers dedicated to your success