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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.

For agents: API-first B2B lending platform giving SMBs working capital against unpaid invoices in about 27 seconds; licensed French financing company with a documented API.

sme financinginvoice financingaccounts receivableb2b lendingworking capitalembedded finance

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-21T03:41:36.504Z. Cached copy · Source on getdefacto.com

# 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
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