Direct

flexible financing to power your SMB

Never miss a growth opportunity! Access pay-as-you-go financing for receivables, inventory, marketing, and more in less than 27 seconds.

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Connect

Effortlessly embed lending in your platform

Looking to grow revenue alongside your customers? Give your small business clients access to frictionless financing, embedded natively in your platform. Easier access to capital boosts value for everyone.

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Core

Scale your SMB portfolio with modern LaaS

Lenders no longer need to choose between innovation and scalability. Offer the ideal SMB lending experience with AI-native servicing and instant credit decisions. Maximize profits and retention with our end-to-end lending infrastructure.

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power SMB growth through better access to financing

Our mission: deliver essential capital to SMBs with three innovative products. Merging automated underwriting with AI-driven servicing, we’ve created a faster, more delightful lending experience.

27 seconds

the average time to score & deploy funding

600M€

in loans delivered
across Europe

30M+

invoices have trained our AI-native scoring

Licensed

as a regulated financial company by the ACPR

Instant is our guarantee and standard

Time is money, and small businesses can’t afford 90-day payment terms or slow application processes. Defacto gives entrepreneurs the flexibility, control, and speed to manage cash flow and growth on their own terms.

Simple

Lending in seconds with no paperwork, setup, or follow-up needed.

Transparent

Pay only for what you use. No hidden fees or additional costs.

Flexible

Create your own payment terms in complete control.

Use Cases

Working capital
that just works

Invoice

Fund your receivables

Accelerate cash flow by funding all your invoices and extending receivables to your timeline.

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Stock

Fund your inventory

Solve your treasury needs with immediate access to funds to secure your stock and keep your suppliers close

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Supplier

Fund your AP

Secure short-term financing to pay suppliers promptly, benefit from early payment discount, and have cash on reserve

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Integrations

The embedded difference

Our API-first platform lets you access financing through the platforms you already know and love. Connect your accounting, banking, invoice or treasury tools for a fully integrated financing strategy.

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real impact,
really fast

Our tools are easy and intuitive. But a service is only as good as the people behind it. Thousands of businesses trust us to be available and helpful throughout the lending process.

Defacto enables us to accelerate our B2B offering without worrying about WCR constraints. Now, we can respond to demand effortlessly.

Xavier Serre

Head of Finance

Defacto offers essential, embedded short-term financing for our company and clients, integrated directly into our platform without additional paperwork.

Tancrède Besnard

Co-Founder & CPO