At one point, every business needs borrowed money. But traditionally it’s been overly complicated and not universally accessible. We’re changing the lending game by removing administrative overhead and offering an embedded approach that leverages business data to fuel business growth.

How? By creating a connected lending infrastructure that makes it simpler and safer to provide short-term financing to businesses everywhere.

Our principles

Instant

We prioritize speed above all else as we live in the world of ASAP where time is money.

Transparent

We embrace risk to make small business financing more accessible on fair terms.

A small rubber band character with legs.

Flexible

We opt for flexibility whenever we can to put our customers in the driving seat of their own growth.

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.

The Defacto team posing with some horses.

The Defacto team posing with hockey sticks on ice.

Individual ownership is our guarantee and expectation for every teammate.

We trust by default and give room for risk and failure as it ultimately helps us grow and learn together.

If you’re passionate about helping small businesses thrive and consider yourself street smart, this is the place for you!

In the press

Media Resources

Lean scaling: a playbook from Defacto’s startup journey (Northzone)

Defacto is on a mission to become Europe’s largest API-first B2B lending platform. Co-founders Morgan O’Hana and Marc-Henri Gires explain how they've funded more than half a billion to 10,000 SMEs with only 21 employees.

Tech Crunch

French startup Defacto has closed a new securitization fund that will be used to provide short-term loans to small and medium enterprises via an embedded, API-first approach. This is a new fund of up to €167 million ($183 million) with Citi and Viola Credit acting as the lenders

Bloomberg

A growing number of startups are setting up in the city as the French government pushes to be at the forefront of Europe’s financial technology sector

Les Echos

Après avoir fait ses armes chez la licorne Spendesk, Morgan O'hana a cofondé Defacto, solution de crédit instantané pour PME. Lancée il y a moins d'un an, la start-up vient de boucler une deuxième levée de fonds de 15 millions d'euros.