Defacto is doubling its SMB financing capacity to €1.8 billion by summer 2025—fueling industrial growth and securing DTIB supply chains.
‍

25% of SMBs fail due to cash flow gaps. Defacto is solving this with fast, AI-driven financing. To address this challenge, Defacto was founded in mid-2021 by Jordane Giuly, Morgan O’hana, and Marc-Henri Gires to provide SMBs with simple, flexible, and instant working capital solutions.

‍

DTIB expansion depends on SME financing, yet many rely on long-term resources due to a lack of short-term options. Defacto’s specialized working capital solutions unlock investment, create jobs, and reinforce France’s industrial resilience.

‍

Recognizing the importance of robust industrial capabilities in France and Europe, Defacto made financing industrial subcontractors a priority in 2024, with a particular focus on SMEs in the DTIB.

‍

Defacto leverages AI-driven credit infrastructure to deliver fast, tailored financing for DTIB SMEs. Its advanced AI analyzes real-time financial data to optimize risk assessment, streamline approvals, and offer more flexible financing than traditional lenders. Solutions cover accounts receivable, supplier advances, deferred payments, operating cycles, and stock financing—processed in seconds.

‍

Over the past three years, through its secure platform and seamless integration with SME business tools via API, Defacto has financed over 12,000 SMBs with more than €800 million across various sectors.

‍

The geopolitical landscape demands swift action. During an event hosted by Eric Lombard, Minister of Economy, Finance, and Industrial and Digital Sovereignty, and Sébastien Lecornu, Minister of Armed Forces, focused on DTIB financing, Defacto announced that, starting summer 2025, it will scale its annual SME working capital financing capacity to €1.8 billion.

‍

Defacto urges financial institutions and policymakers to act now, fast-tracking SMB financing to safeguard industrial resilience.

‍

Jordane Giuly, Co-founder and CEO of Defacto, stated:

"SMBs—especially third- and fourth-tier subcontractors—struggle to scale due to working capital constraints. Defacto is here to change that. As Europe faces the challenge of expanding industrial production capacity, answering the call from public authorities was a natural step for us. Increasing our financing capacity to €1.8 billion this summer is a major commitment from Defacto to support this collective effort."

Eric Lombard, Minister of the Economy, Finance and Industry of France, shared:

"To meet the financing needs of the DTIB, we'll need everyone: public development banks, traditional banks, and innovative banking players. Among the latter, Defacto was already the first B2B fintech to become a financing company in 2024. Today, it is once again setting itself apart, by mobilizing to finance industrial SMEs, particularly in the defense sector. I salute this commitment."

Marc Ferracci, Minister for Industry and Energy, shared:

"Industrial SMEs face significant working capital needs. While efforts are being made across the industry to shorten payment terms, these businesses still need to finance their operating cycles and inventory. With its SME-focused working capital solution—covering both payables and receivables—Defacto is playing a key role in strengthening our industrial production base."
‍

Press contacts:

• Morgan O’hana, Co-founder & General Manager, Defacto
• Charlotte Gounot, Chief Financial Officer, Defacto
• contact@getdefacto.com