The modern lending infrastructure banks & factors need to win SMBs

We’ve reengineered the entire financial infrastructure to equip banks and factors with a modular, flexible and intuitive platform to stay ahead in the competitive lending market.

Reduce cost-to-serve

61%

Increase conversion rates

>1min

Approve loans faster

91% love UX

Upgrade customer satisfaction

The status quo is holding you back

Banks and factors have the data but face many barriers to delivering a modern financial experience that meets the expectations and needs of SMBs.

Legacy systems create drag

Outdated infrastructure limits speed, scalability, and innovation.

High operational overhead

Manual workflows inflate costs and reduce profitability.

SMB risk blind spots

Limited visibility into SMB creditworthiness creates uncertainty.

Lengthy credit decisions

SMBs need funding in seconds, not days

Leverage our UX superpower

Agility is in our DNA, enabling us to seamlessly handle edge cases and harness real-time data, all while optimizing the experience for both borrowers and lenders. Here’s what you can expect from our cutting-edge Lending as a Service (LaaS) platform:

Modular by design

Use only the components you need and customize the products you (and your borrowers) want.

Onboarding and underwriting with Defacto

AI-native

Real-time scoring and underwriting powered by machine learning.

Regulated & compliance built-in

Fully ACPR-licensed and aligned with European banking standards.

Plug-and-play integration

Deploy quickly via API, batch processing, or flat files.

End-to-end automation

From onboarding to scoring to servicing, and reconciliation, we provide fully automated workflows to save time and reduce costs.

Embedded in the ecosystem

We integrate in the financial tools SMBs use every day to optimize your client journey.

Hear from veteran finance experts on why the future of lending is embedded

Patrick Brett

Investments Director

How open finance shapes modern finance.

Read the article >

Tiphaine Bergault

Executive Director

How open finance shapesmodern finance.

Read the article >

Aurélien Viry

CEO

The new dynamics of financial services

Read the article >

Socheat Chhay

Group Head of Corporate Ventures

Bank-fintech collaboration in the post-Covid era

Read the article >

Case Study

Societe Generale increases SME market share for receivable financing

See how SGF embedded instant eligibility scoring for…..

Learn more

Flexibly build a best-in-class credit journey

Pick and choose from our LaaS modular bricks to build new lending products and upgrade your service.

Instant onboarding

Quickly verify clients with seamless KYB/KYC automation that integrates effortlessly into your workflow.

AI-powered credit scoring

Enhance credit decision-making with real-time, AI-driven underwriting for faster and more accurate results.

Automated risk monitoring

Proactively identify and mitigate risks to ensure a secure and stable lending portfolio.

Programmatic origination

Accelerate loan approvals and deliver tailored financing options through fully automated workflows.

Composable funding

Customize flexible funding solutions that adapt to your risk appetite and SME needs.

Seamless repayments

Streamline payment processes with automated tracking and reconciliation for effortless loan management.

Optimize working capital products for mid-markets and SMBs

Defacto’s configurable credit infrastructure is fully customizable to create new or optimize existing financial products.

Invoice financing

Supply chain finance

BNPL for businesses

Reverse factoring

Stock financing

Instant payouts

Deferred debit

Auto-pay and reconciliation

Unlock more SMB capital at scale

With Core, upgrade your customer experience and stay ahead with the latest in lending software built for lenders by lenders.

Get in touch