Defacto is an API-first B2B lending platform that offers fast, flexible financing to SMBs and white-labeled embedded financing to fintech partners and financial institutions.

For traditional players, the underwriting process and loan services are mostly manual. Defacto leverages an embedded API to automate credit scoring, reducing operational costs. This allows for faster credit decisions, more flexible terms, and a seamless embedded experience within the tools businesses already use.

Your company need to mee these criteria :

- Your company to have a NAF/EPA code in sectors we serve in France
- Commercial activity listed in the RCS or RNE
- A public status in the Sirene directory
- To connect your banking tools via APIs

You can see the full list of eligible sectors here.

Defacto offers a range of partnership options, from a white-labeled API for software partners looking to embed lending seamlessly in their product, to no-code solutions for prescriptor partners like brokers and accountants who want to easily refer financing to their clients.  

We also help banks and factors enhance their SMB lending capabilities with our modern, automated infrastructure.

Defacto was founded in 2021 by Jordane Giuly, Morgan O’Hana, and Marco Gires, bringing together a team of experts in finance, risk, and scaling. As the first French B2B lender to be licensed, we are backed by leading VC and debt investors, including Northzone, Citibank, GFC, Motier Ventures, Headline, and Viola.

Today, we serve over 10,000 SMBs and are seamlessly integrated into 20+ banking, accounting, and treasury tools, making business financing faster and more accessible than ever.

Defacto determines your loan facility amount by analyzing various data sources, including public company information, real-time financial data from connected tools, and historical loan repayment behaviors. Our algorithm requires at least 6 months of financial data to calculate an initial credit limit, which is then automatically reassessed after each repayment cycle.

Defacto integrates with more than 20 accounting, banking, invoice, and treasury tools to provide a seamless financing experience.

You can see the full list here.

Defacto is an API-first B2BSMBs have diverse cash flow needs, and Defacto’s short-term financing is designed to adapt. To access financing, businesses must have an eligible invoice, which can be used to:

- Absorb customer payment delays, ensuring steady cash flow.
- Cover stock or inventory purchases without tying up capital.
- Pay suppliers on time, even before receiving customer payments.

The approval process is swift and paperless, with eligibility checks and credit line creation taking approximately 27 seconds.

Once approved, funds are typically available within 1 to 2 business days.

Defacto charges a transparent, upfront daily rate on the financing used, with no hidden fees or fixed costs. Interest is billed monthly after repayment, and the rate is dynamically calculated based on the business’s most up-to-date financial situation.

No, you can utilize as much or as little of your financing capacity as needed, paying only for the amount you use. This flexibility is characteristic of a revolving credit arrangement, where you can borrow, repay, and borrow again up to your approved limit.

You can request funding as many times as needed, provided you stay within your approved financing capacity.

You can repay your loan early at no extra cost, and interest will be adjusted based on the actual duration, allowing you to save on fees. You also have the option to postpone your repayment date by up to 30 days, provided that the total loan term does not exceed 120 days.

Yes, Defacto is licensed by the ACPR (Autorité de Contrôle Prudentiel et de Résolution), ensuring compliance with the highest regulatory standards.

Connecting your bank allows Defacto to access real-time financial data, enabling accurate assessment of your financing capacity and facilitating quick funding decisions.

At Defacto, keeping your data secure is our top priority. Our systems are designed with end-to-end encryption, ensuring that all data transmission and storage remain fully protected.

When you connect your bank accounts or share financial information with Defacto, your data is treated with strict confidentiality. Our access is read-only, meaning we can never modify or alter your information. We use your data exclusively to assess your financing capacity and provide tailored loan offers, always complying with legal and regulatory requirements. Your information is never shared with third parties without your consent.