How RollingFunds developed a ‘Buy Now, Pay Later’ offer for SMBs with Defacto

“Thanks to Defacto, we’ve been able to extend our refinancing while improving the accuracy and automation of our processes”

A white-label credit scoring solution for SMBs

RollingFunds is an end-to-end financing platform that simplifies access to credit for SMBs via B2B deferred payment solutions (BNPL). Its integrated model lets retailers and e-tailers offer their business customers deferred payment options of 30, 60, 90 or even 180 days, while ensuring immediate payment to sellers. This model offers omnichannel flexibility, which is essential if businesses are to meet their customers' financing needs.

RollingFunds has a unique distribution model: rather than offering its services directly to SMBs, it works through a network of supplier partners, such as AB InBev and La Plateforme du Bâtiment. These partners can then offer turnkey deferred and split payment solutions to their end customers, such as builders and restaurateurs. 

It’s a highly efficient way to distribute funds, built on the back of smart embedded lending technology.  

Supporting the growth of its partners

With the goal of securing and extending its financing facility, RollingFunds worked with Defacto to deploy a ‘Buy Now, Pay Later’ (BNPL) solution. 

“This partnership is a crucial step in supporting the growth of our existing partners and attracting new customers, while meeting the immediate financing needs of very small businesses,” explains Nicolas Pinto, Head of Marketing and Partnerships at RollingFunds.

“The partnership with Defacto lets us offer flexible payment terms to businesses, while guaranteeing a smooth process.”

Using Defacto Core: a Lending-as-a-Service solution

Defacto’s Core API lets RollingFunds enhance its platform and optimize the B2B buying experience. It simplifies customer onboarding and facilitates access to BNPL's deferred payment options.

This Lending-as-a-Service API, coupled with RollingFunds' sophisticated real-time credit scoring, accelerates SMB financing by collaborating with traditional lenders. Defacto's Core API, combined with RollingFunds technology, speeds up the underwriting process and reduces the time it takes to obtain financing to just a few seconds. 

Flavie Charpentier, Chief Operating Officer of RollingFunds, explains: “Thanks to Defacto, we’ve been able to extend our refinancing while improving the accuracy and automation of our processes. This will help us better meet the immediate liquidity needs of our small business customers, facilitate the extension of our BNPL B2B solution, and offer payment terms tailored to each situation.”

Immediate results: speed, flexibility and efficiency

“The partnership with Defacto went very smoothly,” says Flavie Charpentier. “It only took a few weeks of discussions and implementation before we were fully operational.”

Since its creation, RollingFunds has financed more than €120 million for nearly 2,500 SMEs.

Key benefits include

• Speed of execution and time savings: Thanks to the combined expertise of the two partners, funding is available in less than 27 seconds.

• Tailor-made flexibility: Repayment terms are tailored to the specific needs of each customer, offering a personalized service.

• Efficiency and enhanced confidence: Real-time access to financial data and accurate risk assessment help to secure operations while limiting risk. Each interaction strengthens creditworthiness, consolidating a relationship of trust between stakeholders.

“This is a long-term collaboration, and we use Defacto to facilitate the financing of our B2B customers. Especially in sectors as varied as the sale of building materials, freight and logistics, and agri-food/agriculture,” says Nicolas.

A strategic, long-term partnership with Defacto

This partnership goes beyond simple financing. By joining forces, the two fintechs are paving the way for a new era in financing for SMBs. They combine the responsiveness and flexibility of fintechs, with the expertise and solidity of traditional banks. 

The collaboration between RollingFunds and Defacto promises sustained growth, both in France and internationally. As Thomas de Bourayne, Chief Executive Officer of RollingFunds, concludes:

“With Defacto, we have a trusted partner that will enable us to continue to grow while providing our customers with fast, tailored financing solutions. Their responsiveness and flexibility are essential to our development.”