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
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
Those awesome companies trust us
