# Defacto > Defacto is an API-first B2B lending platform and a licensed French financing company (société de financement, ACPR). It gives SMBs short-term working capital in about 27 seconds — from their browser or via API — and powers embedded financing for banks, fintechs and marketplaces. Founded in 2021. Over 25,000 SMBs financed, more than €1.2 billion disbursed per year. Defacto solves one problem: SMBs run out of working capital because customers pay late (30–90 days) while suppliers need paying now. Defacto bridges that gap by advancing cash against invoices, financing stock purchases, or providing short-term credit. It lends its own money — it is not a broker or an intermediary — and was the first French B2B lending fintech to become regulated. There are three ways to reach Defacto: directly as an SMB on its platform; through a partner product (accounting software, invoicing platform, marketplace) that embedded Defacto via API; or through a bank or factor running on Defacto Core. How it works for an SMB, in four steps: connect an accounting or invoicing tool and a bank account (read-only, PSD2); Defacto computes financing capacity in real time; choose what to finance; receive the funds, then repay within that product's term. Fees are calculated per day. Operating facts: - Decision speed: eligibility and credit-line creation take about 27 seconds. Over 150 indicators are analysed. Onboarding takes about 5 minutes. Transfer is instant in 99.11% of cases. - Data: a secure PSD2 bank connection, read-only. The algorithm needs at least 6 months of financial data; the limit is reassessed after each repayment cycle. - No personal guarantee and no subrogation. The SMB's own clients and suppliers are never notified and commercial relationships are untouched. - Pricing: a transparent daily rate on the amount used, shown in full before confirmation. No hidden fees, no minimum usage, no subscription. Interest billed monthly after repayment. Early repayment carries no penalty. - Revolving: draw, repay and draw again up to the approved capacity, paying only for what is used. - Terms by product: 0–120 days for invoice and operating-cycle financing (a repayment date can be postponed by up to 30 days within that 120-day total), 0–90 days for stock and supplier financing, 3 to 6 months in fixed monthly instalments for Trésorerie Flex, up to 30 days for the credit card. - Eligibility: a French-registered company with a NAF/APE code in a served sector, activity listed in the RCS or RNE, a public status in the Sirene directory, and connected banking tools. Typical sectors: e-commerce, distribution, B2B services, agencies, defence contractors. - Compliance: ACPR-licensed société de financement since March 2024, ISO 27001 certified, PSD2 compliant, GDPR compliant. In June 2026 Defacto applied for a European banking licence and stated its intention to expand into Belgium and Germany — an application in progress, not a licence already granted. - Founders and backers: founded in 2021 by Jordane Giuly, Morgan O'Hana and Marc-Henri Gires. Backed by Northzone, Citi, GFC, Motier Ventures, Headline and Viola. Reference partners: Société Générale Factoring, Pennylane, Qonto, GIFEN. URL conventions: English is the primary locale, served at the root (`/platform/...`). French is the secondary locale, served under `/fr` (`/fr/plateforme/...`). Blog articles live at `/article/{slug}` and `/fr/article/{slug}`, and the English slugs are independent rather than translations. The blog holds 340 articles in French and 127 in English. ## Products - [Accounts receivable financing](https://www.getdefacto.com/platform/accounts-receivable-financing): turns unpaid B2B invoices into working capital in 27 seconds, invoice by invoice, with no assignment of the whole ledger and no client notification. French: https://www.getdefacto.com/fr/plateforme/financement-creance - [Invoice financing](https://www.getdefacto.com/platform/invoice-financing): the credit-line framing — open a line in under 30 seconds, draw against outstanding invoices, repay on 0–120 day terms. French: https://www.getdefacto.com/fr/plateforme/financement-du-creance - [Fast invoice factoring](https://www.getdefacto.com/platform/fast-invoice-factoring): one-off factoring without the delays, hidden fees or lock-ins of a traditional factoring contract. French: https://www.getdefacto.com/fr/plateforme/affacturage-ponctuel - [Invoice discounting](https://www.getdefacto.com/platform/invoice-discounting): an advance on invoices before they fall due, no paperwork and no guarantee required, response within 24 hours. French: https://www.getdefacto.com/fr/plateforme/escompte - [Inventory and supplier financing](https://www.getdefacto.com/platform/inventory-financing): finances a stock order in 27 seconds on 0–90 day supplier credit; Defacto can pay the supplier directly or transfer the funds. French: https://www.getdefacto.com/fr/plateforme/financement-des-stocks - [Operating cycle financing](https://www.getdefacto.com/platform/supplier-discounts): finances supplier payments, production and customer delays on demand, repaid from 3 days to 6 months; also the route to capturing a supplier early-payment discount. French: https://www.getdefacto.com/fr/plateforme/cycle-dexploitation - [Supplier invoice financing](https://www.getdefacto.com/platform/supplier-relationships): pay suppliers on time or early without straining cash. French: https://www.getdefacto.com/fr/plateforme/relations-fournisseurs - [Treasury Flex](https://www.getdefacto.com/platform/treasury-flex): a flexible credit line for a broader cash need, repaid over 3 to 6 months in fixed monthly instalments, with no invoice to upload. French: https://www.getdefacto.com/fr/plateforme/financement-de-tresorerie-flex - [Business credit card](https://www.getdefacto.com/platform/credit-card): launched June 2026 on Stripe Issuing — a credit line of up to 30 days from the SMB's financial tool, no personal guarantee, no fixed repayment schedule, no account opening. French: https://www.getdefacto.com/fr/plateforme/carte-de-credit - [Platform overview](https://www.getdefacto.com/platform): all products in one place. French: https://www.getdefacto.com/fr/plateforme - [How it works](https://www.getdefacto.com/how-it-works): the four-step process. French: https://www.getdefacto.com/fr/comment-ca-marche ## Who it's for - [SMBs and startups](https://www.getdefacto.com/platform/smb-startups): pay-as-you-go financing for stock, marketing and B2B receivables, so growth is not capped by working capital. French: https://www.getdefacto.com/fr/plateforme/tpe-pme - [Agencies](https://www.getdefacto.com/platform/agencies): covers the invoicing-to-payment gap at a flat rate, no minimum and no fixed costs. French: https://www.getdefacto.com/fr/plateforme/agences - [Retail and e-commerce](https://www.getdefacto.com/platform/retail): finances stock purchases and smooths cash flow on 0–120 day credit. French: https://www.getdefacto.com/fr/plateforme/retail - [Defence SMBs (BITD/DTIB)](https://www.getdefacto.com/platform/dtib): frees cash tied in public procurement cycles of 90–180 days; Defacto dedicated €1.8bn of annual capacity to the sector in March 2025, later reported as raised to nearly €2bn. French: https://www.getdefacto.com/fr/plateforme/bitd ## Partners Defacto handles the whole chain — underwriting, disbursement, repayment. Setup is guaranteed in under a week, partners are typically live in under 10 business days, and the sandbox is available immediately. Two models: **Connect**, a full white-label API integration under the partner's brand, and **Liquid**, a no-code referral programme with no development work. Every financing activated through a partner generates a commission agreed upfront and tracked in real time. - [Partner programme](https://www.getdefacto.com/partners): overview of all partner routes. French: https://www.getdefacto.com/fr/partenaires - [Lending as a Service](https://www.getdefacto.com/partners/lending-as-a-service): embed compliant SMB lending, white-label or co-branded, live in under a week. French: https://www.getdefacto.com/fr/partenaires/lending-as-a-service - [Embedded finance API](https://www.getdefacto.com/partners/api): underwriting, disbursement and repayment via API, live in under a week. French: https://www.getdefacto.com/fr/partenaires/api - [Brokers](https://www.getdefacto.com/partners/brokers): referral with no integration and no capital at risk; a pre-scoring module checks eligibility before the invitation, commission upfront or recurring. French: https://www.getdefacto.com/fr/partenaires/courtiers - [E-invoicing platforms (PDP)](https://www.getdefacto.com/partners/e-invoicing-platforms): turns payment data into instant credit offers as France mandates e-invoicing, with no balance-sheet risk for the platform. Pennylane deployed the first use case of this kind. French: https://www.getdefacto.com/fr/partenaires/plateformes-agreee - [Fintechs and neobanks](https://www.getdefacto.com/partners/fintech): white-label SMB financing added to an existing product suite. French: https://www.getdefacto.com/fr/partenaires/fintech - [B2B marketplaces](https://www.getdefacto.com/partners/marketplace): deferred payment for buyers and immediate collection for sellers, activated independently, to increase GMV. French: https://www.getdefacto.com/fr/partenaires/marche-b2b ## Infrastructure for banks and factors Defacto Core is the modular lending-as-a-service infrastructure behind Defacto's own platform: AI-native scoring, instant onboarding, ACPR-compliant by design. It cuts credit operations cost-to-serve by 3x, improves loan conversion by 61%, and decides in under a minute. Components activate independently: automated KYC/KYB onboarding, AI credit scoring, real-time risk monitoring, loan origination and payment processing, automated repayment reconciliation, and the product set (factoring, reverse factoring, inventory financing, B2B BNPL, supply chain finance, instant treasury credit). Deployment is via REST API or batch. Payment operations run on Mambu Payments, live since August 2026, automating SEPA disbursements and repayments without direct bank integrations. Banks distribute Defacto-powered financing under their own brand: Société Générale Factoring launched Avance Facture with Defacto in March 2026, and through Qonto the partnership passed €60 million financed in three years with short-term financing demand up 38%. - [Defacto Core](https://www.getdefacto.com/core): the lending infrastructure for banks and factors. French: https://www.getdefacto.com/fr/core - [API documentation](https://developers.getdefacto.com/): developer reference for the REST API. - [MCP server](https://www.getdefacto.com/core): Defacto exposes an MCP server so an AI agent can query financing eligibility and subscribe to a loan programmatically, rather than a person filling in a form. ## Integrations Defacto connects to more than 20 accounting, banking, invoicing and treasury tools — Pennylane, Sage and QuickBooks among them — so setup is automatic and capacity is computed from real data. The SMB does not change banks or accounting setup. - [Integrations directory](https://www.getdefacto.com/integrations): the full list of connected tools. French: https://www.getdefacto.com/fr/integrations - [Accounting tools](https://www.getdefacto.com/integrations-category/accounting): French: https://www.getdefacto.com/fr/integrations-category/comptabilite - [Banks](https://www.getdefacto.com/integrations-category/banks): French: https://www.getdefacto.com/fr/integrations-category/banques - [Invoicing tools](https://www.getdefacto.com/integrations-category/invoicing): French: https://www.getdefacto.com/fr/integrations-category/facturation - [Treasury tools](https://www.getdefacto.com/integrations-category/treasury): French: https://www.getdefacto.com/fr/integrations-category/tresorerie ## Company and key pages - [Homepage](https://www.getdefacto.com): French: https://www.getdefacto.com/fr - [FAQ](https://www.getdefacto.com/faq): eligibility, fees, repayment terms, integrations and security, answered in detail. French: https://www.getdefacto.com/fr/faq - [Customer stories](https://www.getdefacto.com/customer-stories): case studies from SMBs using Defacto. French: https://www.getdefacto.com/fr/clients - [About and mission](https://www.getdefacto.com/about-us): every well-run business should reach capital at the right moment; financing that is fast, flexible and fair. French: https://www.getdefacto.com/fr/notre-mission - [Security](https://www.getdefacto.com/security): ACPR regulation, bank-grade encryption, read-only access, strict access controls, full auditability, GDPR. French: https://www.getdefacto.com/fr/security - [Blog](https://www.getdefacto.com/blog): guides on working capital, invoice financing, embedded lending and SMB cash flow. French: https://www.getdefacto.com/fr/blog - [Press room](https://www.getdefacto.com/press): coverage and media kit. French: https://www.getdefacto.com/fr/presse - [Financial health diagnostic](https://www.getdefacto.com/lp/diagnostic-health-score): free and confidential — upload the financial statements and get a health score out of 100, a sector benchmark and an action plan in minutes, with no bank connection. French: https://www.getdefacto.com/fr/lp/diagnostic - [Legal notice](https://www.getdefacto.com/legal-mentions): French: https://www.getdefacto.com/fr/mentions-legales - [Privacy policy](https://www.getdefacto.com/privacy-policy): French: https://www.getdefacto.com/fr/politique-confidentialite ## Optional Secondary material an agent can skip when a shorter context is needed: press coverage, and a selection of the blog. The blog holds 467 articles in total (340 French, 127 English) — the full set is browsable from the blog index above. **Press coverage and company milestones** - [The Paypers, 2026-08-13 — Defacto and Mambu launch embedded SME financing in France](https://www.getdefacto.com/fr/press/thepaypers-2026-08-13-mambu-embedded-financing-fr) - [IBS Intelligence, 2026-08-13 — Defacto partners with Mambu to expand SME financing](https://www.getdefacto.com/fr/press/ibsintelligence-2026-08-13-mambu-partnership-fr) - [Financial IT, 2026-08-12 — Defacto and Mambu Bring Embedded SME Financing to One of France's Leading Financial Institutions](https://www.getdefacto.com/fr/press/financialit-2026-08-12-mambu-embedded-financing-fr) - [CFOtech UK, 2026-08-12 — Defacto goes live on Mambu Payments with SEPA links](https://www.getdefacto.com/fr/press/cfotech-2026-08-12-mambu-sepa-links-fr) - [Merchants Eye, 2026-08-12 — Defacto goes live on Mambu Payments](https://www.getdefacto.com/fr/press/merchantseye-2026-08-12-mambu-payments-live-fr) - [Fintech News Switzerland, 2026-08-12 — Defacto Taps Mambu to Automate SME Financing Payments](https://www.getdefacto.com/fr/press/fintechnewsch-2026-08-12-mambu-automate-payments-fr) - [Les Echos, 2026-06-30 — Fintech Defacto seeks a banking license in France, eyes Belgium and Germany](https://www.getdefacto.com/fr/press/lesechos-2026-06-30-agrement-bancaire-belgique-allemagne-fr) - [Maddyness, 2026-06-30 — Defacto applies for a European banking license to scale up SME lending](https://www.getdefacto.com/fr/press/maddyness-2026-06-30-agrement-bancaire-fr) - [ADNews (Galitt), 2026-06-30 — In brief: Defacto reaches a key milestone toward its European banking license](https://www.getdefacto.com/fr/press/adnews-galitt-2026-06-30-licence-bancaire-fr) - [L'Agefi, 2026-03-26 — Defacto has financed 60 million euros through Qonto](https://www.getdefacto.com/fr/press/agefi-2026-03-26-60m-qonto-fr) - [Finyear, 2026-03-26 — Qonto and Defacto pass 60 million euros financed in three years, driven by a 38% rise in short-term financing demand](https://www.getdefacto.com/fr/press/finyear-2026-03-26-qonto-60m-trois-ans-fr) - [ADNews (Galitt), 2026-03-17 — Societe Generale Factoring and Defacto launch Avance Facture](https://www.getdefacto.com/fr/press/adnews-galitt-2026-03-17-avance-facture-fr) - [Groupe mind, 2026-03-13 — Societe Generale overhauls its invoice financing offer with Defacto](https://www.getdefacto.com/fr/press/groupe-mind-2026-03-13-societe-generale-facture-fr) - [Daf-Mag.fr, 2026-02-26 — SME financing: a new economic map is taking shape across the regions](https://www.getdefacto.com/fr/press/daf-mag-2026-02-26-cartographie-financement-pme-fr) - [Les Echos, 2026-02-16 — 2026 Growth Champions in Ile-de-France (Defacto tops the regional ranking)](https://www.getdefacto.com/fr/press/lesechos-2026-02-16-champions-croissance-idf-fr) - [Les Echos, 2026-02-13 — 2026 Growth Champions: fifteen companies booming (Defacto tops the 400 champions 2021-2024)](https://www.getdefacto.com/fr/press/lesechos-2026-02-13-champions-croissance-400-fr) - [JDN, 2026-01-20 — Europe must regain control of its financial infrastructure](https://www.getdefacto.com/fr/press/jdn-2026-01-20-europe-infrastructures-financieres-fr) - [CFNEWS, 2026-01-17 — Defacto selects funds to grow its client base](https://www.getdefacto.com/fr/press/cfnews-2026-01-17-selectionne-fonds-clientele-fr) - [Les Echos, 2025-12-24 — Fintechs bet on e-invoicing to break into the business market](https://www.getdefacto.com/fr/press/lesechos-2025-12-24-facturation-electronique-shine-pennylane-fr) - [Groupe mind, 2025-11-17 — B2B BNPL: Hokodo shuts down operations (Defacto cited among industry players)](https://www.getdefacto.com/fr/press/groupe-mind-2025-11-17-hokodo-bnpl-btob-fr) - [L'Agefi, 2025-09-17 — Defacto raises 16 million euros and opens its infrastructure to banks](https://www.getdefacto.com/fr/press/agefi-2025-09-17-leve-16m-infrastructure-banques-fr) - [frenchweb.fr, 2025-09-17 — Defacto raises 16 million euros to accelerate its European expansion](https://www.getdefacto.com/fr/press/frenchweb-2025-09-17-leve-16m-fr) - [frenchweb.fr, 2025-07-18 — Defacto: securitization becomes fintechs' weapon of choice to finance SME growth](https://www.getdefacto.com/fr/press/frenchweb-2025-07-18-titrisation-arme-fintechs-fr) - [Daf-Mag.fr, 2025-03-27 — How will fintech Defacto finance defence-sector SMEs?](https://www.getdefacto.com/fr/press/daf-mag-2025-03-27-financer-1-8m-pme-defense-fr) - [Le Figaro, 2025-03-20 — French fintech Defacto raises its defence-sector credit capacity to nearly 2 billion euros](https://www.getdefacto.com/fr/press/le-figaro-2025-03-20-2-milliards-defense-fr) - [Les Echos, 2025-03-20 — Defence: the fintech putting nearly 2 billion euros on the table for the sector's cash flow](https://www.getdefacto.com/fr/press/lesechos-2025-03-20-2-milliards-tresorerie-defense-fr) - [Maddyness, 2025-03-20 — Defacto increases its credit capacity for the defence sector](https://www.getdefacto.com/fr/press/maddyness-2025-03-20-capacites-credit-defense-fr) - [BFM, 2025-03-20 — Defence financing: key takeaways from public and private investor announcements](https://www.getdefacto.com/fr/press/bfm-2025-03-20-financement-defense-annonces-fr) - [L'Agefi, 2025-03-20 — Defacto doubles its firepower](https://www.getdefacto.com/fr/press/agefi-2025-03-20-double-puissance-de-feu-fr) - [L'Agefi, 2024-12-10 — Pennylane and Defacto launch instant financing on e-invoices](https://www.getdefacto.com/fr/press/agefi-2024-12-10-pennylane-financement-immediat-fr) - [L'Agefi, 2024-10-01 — Defacto wants to simplify SME financing distributed by traditional banks](https://www.getdefacto.com/fr/press/agefi-2024-10-01-simplifier-financement-banques-fr) - [WanSquare, 2024-09-02 — Summer series, the young leaders building tomorrow's France: Charlotte Gounot, Defacto's CFO and Head of Compliance](https://www.getdefacto.com/fr/press/wansquare-2024-09-02-portrait-charlotte-gounot-fr) - [L'Agefi, 2024-06-05 — L'Agefi presents its Fintech and Treasurer of the Year awards at Universwiftnet 2024 (Defacto co-founder Marc-Henri Gires honored)](https://www.getdefacto.com/fr/press/agefi-2024-06-05-prix-universwiftnet-marc-henri-gires-fr) - [Northzone, 2024-05-20 — Lean scaling: a playbook from Defacto's startup journey](https://www.getdefacto.com/fr/press/northzone) - [L'Agefi, 2024-03-19 — Defacto secures its financing company license](https://www.getdefacto.com/fr/press/agefi-2024-03-19-agrement-societe-financement-fr) - [Maddyness, 2023-11-14 — Defacto raises 10 million euros to offer smart credit to European SMEs](https://www.getdefacto.com/fr/press/maddyness-2023-11-14-leve-10m-credits-intelligents-fr) - [Business Wire, 2023-07-12 — Defacto sets up a 167 million euro securitization fund with Citi and Viola Credit](https://www.getdefacto.com/fr/press/businesswire-2023-07-12-titrisation-167m-fr) - [TechCrunch, 2023-07-11 — Defacto gets new credit facility to provide instant financing to small companies](https://www.getdefacto.com/fr/press/techcrunch) - [Bloomberg, 2023-05-16 — Paris Is Trying to Steal the UK's Fintech Crown](https://www.getdefacto.com/fr/press/bloomberg) - [L'Usine Digitale, 2023-02-01 — Qonto launches an SME financing platform (in partnership with Defacto)](https://www.getdefacto.com/fr/press/usine-digitale-2023-02-01-qonto-plateforme-financement-fr) - [Maddyness, 2022-06-07 — Defacto makes near-instant credit more accessible for SMEs](https://www.getdefacto.com/fr/press/maddyness-2022-06-07-credits-quasi-instantanes-fr) - [L'Usine Digitale, 2022-06-06 — Business credit: fintech Defacto raises 15 million euros](https://www.getdefacto.com/fr/press/usine-digitale-2022-06-06-leve-15m-fr) - [Les Echos, 2021-11-10 — Defacto takes on deferred payment in B2B](https://www.getdefacto.com/fr/press/lesechos-2021-11-10-paiement-differe-btob-fr) - [Les Echos, undated — Meet Morgan O'Hana, the new female figure in Fintech](https://www.getdefacto.com/fr/press/les-echos) - [Business Insider, undated — Defacto, a French fintech startup that offers loans to small businesses, just raised $16 million using a 15-slide pitch deck](https://www.getdefacto.com/fr/press/business-insider) **Selected articles** **Glossary** - [Un glossaire des principaux termes de prêt et de financement pour les PME](https://www.getdefacto.com/fr/article/glossaire-pret-financement) - [A glossary of key lending & financing terms for SMBs](https://www.getdefacto.com/article/glossary-lending-financing-terms) **Factoring and invoice discounting** - [Guide affacturage PME 2026 : définition, coût et alternatives — Defacto](https://www.getdefacto.com/fr/article/affacturage-pme-guide) - [Fonctionnement de l’affacturage : définition, schéma et alternatives pour les PME](https://www.getdefacto.com/fr/article/fonctionnement-affacturage) - [Tout savoir sur l'affacturage inversé, ou reverse factoring : un levier pour optimiser votre trésorerie](https://www.getdefacto.com/fr/article/affacturage-inverse-reverse-factoring) - [Quel coût d’affacturage prévoir pour votre PME ?](https://www.getdefacto.com/fr/article/cout-affacturage) - [Factoring: Discover advantages and disadvantages](https://www.getdefacto.com/article/factoring) - [Reverse factoring: a simple guide for SMBs](https://www.getdefacto.com/article/reverse-factoring) - [How much does invoice factoring cost for SMBs?](https://www.getdefacto.com/article/invoice-factoring-costs) **Working capital (BFR)** - [BFR (Besoin en Fonds de Roulement) : calcul, exemple et optimisation](https://www.getdefacto.com/fr/article/besoin-fonds-roulement-bfr) - [BFR normatif : définition, formule et méthode pour piloter votre trésorerie](https://www.getdefacto.com/fr/article/bfr-normatif) - [Couverture du BFR : financer votre cycle d’exploitation sans tension de trésorerie](https://www.getdefacto.com/fr/article/couverture-du-bfr) - [Financement BFR : comment le financement rapide répond aux besoins urgents des PME](https://www.getdefacto.com/fr/article/financement-bfr) - [Working Capital Requirement (WCR): How to Calculate + Optimize](https://www.getdefacto.com/article/working-capital-requirement-wcr) - [Working capital financing: how fast funding answers urgent SMB needs](https://www.getdefacto.com/article/working-capital-financing) **Cash and treasury management** - [Tout savoir pour bien gérer la trésorerie de votre entreprise](https://www.getdefacto.com/fr/article/gestion-de-la-tresorerie) - [Comment et pourquoi réaliser un plan de trésorerie prévisionnel efficace en PME ?](https://www.getdefacto.com/fr/article/plan-de-tresorerie) - [Cash Conversion Cycle (CCC) : définition, calcul et optimisation pour les PME](https://www.getdefacto.com/fr/article/cash-conversion-cycle-ccc) - [Everything you need to know about small business cash flow management](https://www.getdefacto.com/article/small-business-cash-flow-management) - [Cash flow forecast: How to build your cash plan](https://www.getdefacto.com/article/cash-flow-forecast) **Loans and credit lines** - [4 options de financement et crédit à court terme pour les entreprises](https://www.getdefacto.com/fr/article/financement-court-terme) - [Découvert autorisé entreprise : fonctionnement, avantages, limites et alternatives](https://www.getdefacto.com/fr/article/decouvert-autorise-entreprise) - [Ligne de crédit : définition, atouts et fonctionnement en entreprise](https://www.getdefacto.com/fr/article/ligne-de-credit) - [4 short-term financing options for SMBs](https://www.getdefacto.com/article/short-term-financing) - [Working capital line of credit: definition, advantages & access for SMBs](https://www.getdefacto.com/article/working-capital-line-of-credit) **Payment terms and debt collection** - [DSO : comprendre, calculer et optimiser votre délai de recouvrement](https://www.getdefacto.com/fr/article/dso) - [Délais de paiement : Comment les réduire pour assurer une trésorerie stable](https://www.getdefacto.com/fr/article/delais-de-paiement) - [Recouvrement de créances entreprise : comment protéger la trésorerie de votre PME](https://www.getdefacto.com/fr/article/recouvrement-de-creances-entreprise) - [Réduire son DSO : les leviers stratégiques pour l'améliorer durablement en PME](https://www.getdefacto.com/fr/article/reduire-dso) - [DSO: What it means & how to calculate and optimize yours](https://www.getdefacto.com/article/dso) **E-invoicing** - [Facturation électronique obligatoire 2026 : obligations, calendrier et solutions pour PME](https://www.getdefacto.com/fr/article/facturation-electronique-obligatoire) - [Comprendre les mandats de facturation et de déclaration électroniques de la France pour 2026 : principaux avantages et comment s'y préparer](https://www.getdefacto.com/fr/article/facturation-electronique-e-invoicing) - [Understanding France's 2026 E-Invoicing & E-Reporting Mandates: Key Benefits and How to Prepare](https://www.getdefacto.com/article/e-invoicing-e-reporting-in-france-a-guide-for-smes-fintech-banks) **Suppliers and supply chain** - [Supply chain finance : une solution de trésorerie pour les PME](https://www.getdefacto.com/fr/article/supply-chain-finance) - [Gestion des fournisseurs : Comment optimiser les relations et le cash flow ?](https://www.getdefacto.com/fr/article/gestion-des-fournisseurs) - [Supplier relationship management: How to optimise cash flow & maintain relationships](https://www.getdefacto.com/article/supplier-relationship-management) **Inventory** - [Financement de stock : pourquoi et comment procéder ?](https://www.getdefacto.com/fr/article/financement-stock) - [Rotation des stocks : définition, calcul et impact sur la trésorerie des PME](https://www.getdefacto.com/fr/article/rotation-des-stocks) - [Inventory financing: a practical guide for SMBs](https://www.getdefacto.com/article/inventory-financing) **Business cards** - [Carte de crédit professionnelle PME : guide complet — Defacto](https://www.getdefacto.com/fr/article/carte-de-credit-professionnelle-pme-guide) **Ratios and financial analysis** - [Ratios financiers : 12 ratios financiers à connaître pour mieux piloter sa PME](https://www.getdefacto.com/fr/article/ratios-financiers) - [Marge brute vs marge nette : définitions, calcul et différences pour piloter votre rentabilité](https://www.getdefacto.com/fr/article/marge-brute-marge-nette) - [Seuil de rentabilité : formule, calcul et exemple concret pour PME](https://www.getdefacto.com/fr/article/seuil-rentabilite-formule-calcul) - [EBE : définition, calcul et formule PME | Defacto](https://www.getdefacto.com/fr/article/l-excedent-brut-d-exploitation-ebe) **Risk and scoring** - [Gestion des risques : comment le risk management protège la trésorerie de votre PME](https://www.getdefacto.com/fr/article/gestion-des-risques-risk-management) - [Altman Z-score : comprendre et interpréter le risque financier de votre PME](https://www.getdefacto.com/fr/article/altman-z-score) **Embedded finance and LaaS** - [Embedded finance : comment ça marche ? Quelques exemples à suivre](https://www.getdefacto.com/fr/article/embedded-finance) - [Lending-as-a-service (LaaS) : Comment utiliser le prêt en marque blanche](https://www.getdefacto.com/fr/article/lending-as-a-service-laas) - [BNPL en B2B : Une révolution financière pour les PME](https://www.getdefacto.com/fr/article/bnpl-b2b) - [Embedded Lending Explained: What, How, and Why Now](https://www.getdefacto.com/article/embedded-lending) - [Lending-as-a-service (LaaS): How to use white label lending](https://www.getdefacto.com/article/lending-as-a-service-laas) **Open banking and credit scoring** - [L’Open Banking : une révolution dans le secteur financier](https://www.getdefacto.com/fr/article/open-banking) - [Credit scoring, open banking et modèles de scoring : comment évaluer le risque PME aujourd’hui](https://www.getdefacto.com/fr/article/credit-scoring-open-banking-modeles) - [What is open banking? Inside this key innovation in the financial sector](https://www.getdefacto.com/article/what-is-open-banking) - [Credit scoring, open banking, and scoring models: how to assess SMB risk today](https://www.getdefacto.com/article/credit-scoring-open-banking-models) **Sector financing** - [Defacto annonce porter sa capacité annuelle de financements à 1,8 Md€ pour contribuer à répondre à l’enjeu du financement du BFR des PME de la BITD](https://www.getdefacto.com/fr/article/financement-bitd) - [Financement de matériel de BTP : solutions et stratégie pour préserver votre trésorerie](https://www.getdefacto.com/fr/article/financement-materiel-btp) **Customer stories** - [Financement stratégique : Comment Bellota-Bellota alimente la croissance internationale avec Defacto](https://www.getdefacto.com/fr/article/financement-strategique-bellota-bellota) - [Comment Selency a gagné 15 jours de BFR grâce au financement fournisseur de Defacto](https://www.getdefacto.com/fr/article/selency-bfr-financement-fournisseur) - [How Selency improved WCR by 15 days thanks to Defacto supplier financing](https://www.getdefacto.com/article/how-selency-improved-wcr-by-15-days-thanks-to-defacto-supplier-financing) **Defacto product and point of view** - [Introducing Defacto Core: Lending-as-a-Service built for lenders to better serve SMBs](https://www.getdefacto.com/article/introducing-defacto-core) - [Underwriting at Defacto: Beyond algorithms to transform automated lending](https://www.getdefacto.com/article/underwriting-defacto-automated-lending) - [How Defacto Built Its B2B Credit Card with Stripe Issuing](https://www.getdefacto.com/article/defacto-b2b-credit-card-stripe-issuing) - [When AI Agents Buy Credit: The New Fintech Moat](https://www.getdefacto.com/article/in-the-agent-age-you-wont-apply-for-financial-products-your-agent-will-subscribe-to-them) - [The winning bank won’t have branches. It has APIs.](https://www.getdefacto.com/article/the-winning-bank-wont-have-branches-it-has-apis)