Access working capital in 27 seconds
Get the financing you need to restock, expand, or keep your cash flow on track.
Flexible loans to power your business ambitions
From the unexpected to the ambitious, our self-serve and embedded financing covers all your invoice needs.
Stock financing
Accounts payables
Accounts receivable
It shouldn’t take weeks to access critical capital
Here’s how we’ve redesigned the lending process to be as hassle-free and fast as possible.
Check your eligibility instantly
No paperwork, just 2 clicks to link your banking apps.
Accept transparent terms
In 27 seconds discover your loan capacity with pricing on average 0.05% per day. No additional fees.
Upload invoice to pay
Immediately upon accepting conditions, start leveraging your working capital.
Reimburse and renew as you need
Request new advances & repay in one go between 0 to 120 days.
We’re a licensed financial institution with the ACPR
Our commitment to stringent regulatory frameworks ensures that your business enjoys secure, resilient, and dependable financial solutions designed to help you grow with confidence.
Partner with Defacto
Effortlessly offer short-term financing to your customers without any risk or regulatory overhead.
Connect
Give your customers streamlined access to capital without ever leaving your platform, powered by our API and natively embedded in your branding.
Liquid
Offer your customers instant access to working capital with our no-code, self-serve partner portal. No tech resources required to increase the value of your service.
Built on strong foundations to offer the ideal SMB experience
Banks, factors, and traditional lenders can now provide their SMB customers with instant credit decisions and AI-powered servicing through Defacto Core—our cutting-edge Lending-as-a-Service (LaaS) infrastructure
Why Core offers the best-in-class credit journey:
91% of users find Defacto easy to use.
Hear why 12,000 SMBs and 20 partners leverage Defacto to power their growth.
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"We've been able to win bids for bigger B2B clients while maintaining a healthy cash flow."
Mickaël Piffard Besnard, CEO
"I can accelerate my growth by financing my stock through Defacto. My outstanding balance adjusts seamlessly with my growth and needs."
Stéphane Ficaja, Co-Founder
"Defacto offers our clients a crucial, value-add feature that seamlessly integrates right into our platform."
Tancrède Besnard, Co-Founder & CPO
"We chose Defacto for their flexible approach and the exceptional quality of their API documentation."
Corentin Hinz, Senior Product Manager
"Defacto enables us to accelerate our B2B offering without worrying about WCR constraints."
Xavier Serre, Head of Finance
"Defacto has helped me land contracts with major companies by taking over their internal payment processes."
Benoit Lazzarotto, General Manager
Never let cash flow hold you back.
From restocking to expansion, we’ve got the capital you need to keep moving forward.