Cross-Sector / Enterprise Fintech › Lending (Non-bank) › Invoice Financing

Defacto

French API-first B2B lending platform providing short-term, embedded financing for small businesses.

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Overview

Defacto is a Paris-based fintech that offers an API-first B2B lending platform providing short-term financing to small and medium-sized businesses. Its credit is distributed through integrations with B2B marketplaces, fintechs, and other platforms rather than a standalone branch model.

Licensed as a financing company in France, Defacto embeds instant, flexible working-capital credit into partner journeys so businesses can access funds at the point of need.

Key Features

+ API-first B2B lending platform
+ Short-term working-capital financing
+ Embedded credit distributed via partners
+ Instant, flexible funding decisions
+ Licensed financing company in France
+ Financing for small and medium-sized businesses

Integrations

Open APIREST API

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