flexible financing to power your SMB
Effortlessly embed lending in your platform
Scale your SMB portfolio with modern LaaS
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.
Working capital
that just works
Get paid early
Get paid instantly on outstanding receivables to accelerate your cash conversion cycle.
Fund your inventory
Build vital inventory with immediate access to funds. Secure your stock and maintain excellent supplier relationships.
Finance accounts payable
Secure short-term financing to pay suppliers promptly. Benefit from early payment discounts, and keep cash in reserve.
Get paid early
Get paid instantly on outstanding receivables to accelerate your cash conversion cycle.
Fund your inventory
Build vital inventory with immediate access to funds. Secure your stock and maintain excellent supplier relationships.
Finance accounts payable
Secure short-term financing to pay suppliers promptly. Benefit from early payment discounts, and keep cash in reserve.
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.
real impact,
really fast
Stay up to date
on the latest news and how to’s
Explore insights and predictions from experienced banking and fintech experts on the hottest topics of the moment.
Stay up to date on the latest e-invoicing regulation to prepare for the 2026 rollout.
Explore what embedded lending is, its key benefits, and why this innovative approach to financing is about to boom.
Learn how AI and APIs can overhaul the underwriting process for both borrowers and lenders.
