Defacto is rewriting
the SMB lending playbook
We built Defacto so every business can access the capital they need—instantly and seamlessly, right where they operate. No friction, no delays—just real-time funding embedded in their work(flow.)
in funding raised
funds deployed
loans deployed
licensed
embedded partners
transactions processed
Leading the embedded lending wave
At some point, every business needs access to credit. Yet, traditional lending is slow, complex, and often out of reach for many SMBs. We're changing that by building a connected lending infrastructure that makes short-term financing simple, flexible, and instantly accessible within existing business workflows.
4 solutions, serving SMBs wherever they are
A down-to-earth team with spunk and sass
At Defacto, we’re passionate about what we’re building but believe the best work environments make space for fun, humility, and fishy puns.
Our shared working style
Individual ownership
Every teammate is empowered to take initiative and make an impact.
Trust by default
We create room for risk-taking and failure because it helps us learn and grow.
Impact-driven automation
We obsess over outcomes, leveraging AI to eliminate inefficiencies so every action drives maximum impact and uncompromising quality.
A small but experienced team of builders, scalers & customer-first people
Read more on our lean scaling principles
Used by the world's leading companies
Unlocking critical capital (and making noise)
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