France · Financial services startup
France · Defacto
Defacto is a Paris-based fintech company founded in 2021, specializing in an API-first, embedded B2B lending platform for small and medium-sized businesses (SMBs) across Europe.
Funding reportedLast round: Series A
About Defacto
Defacto is a Paris-based fintech company founded in 2021, specializing in an API-first, embedded B2B lending platform for small and medium-sized businesses (SMBs) across Europe.
The company aims to provide fair and instant access to working capital, serving over 10,000 SMEs and deploying more than €1.2 billion in funds through 240,000 loans. Defacto's core offering includes an AI-native, no-code lending infrastructure that automates underwriting and servicing. Key features of the platform include instant credit approvals averaging under 27 seconds, a Lending-as-a-Service (LaaS) product for partners, and an embedded lending API for fintech and marketplace partners. The company offers tailored solutions such as Defacto Direct for direct lending, Defacto Connect for embedded lending, and Defacto Core as the underlying technology platform. Notable partners include Qonto, Malt, Pennylane, and Libeo, which utilize Defacto's API to integrate financing into their services.
What company datasets say Defacto raised
Funding, as reported
On a portfolio page
Investors who name them
Each firm lists Defacto on its own website. That is the firm's claim, a weaker thing than a round we watched, but a named source.
The company, in detail
What they build
Known for
automated servicinglaas infrastructureopen bankingconsumersno-code lending solutionsreservedistributionbnplapi documentationapi-first platformbfrlendtechfintech integrationsdigital credit platforminformation technology & servicesfinancial services
Built with from their website
Google Tag ManagerAmazon CloudFrontHREF LangGoogle CloudLinkedin Insight TagGoogle WorkspaceCloudFlareViewport MetaLinkedIn AdsHubspot
+8 more
Webflow HostingApple Business ManagerGoogle Cloud HostingGoogle MeetCloudFlare CDNTwilio SendGrid Email Marketing CampaignsGoogle Font APIMobile Friendly
- Sector
- Financial services
- Industry code
- NAICS 52232, 522110, 522299, SIC 6021, 6153
- Region
- Ile-de-France
- Revenue
- 3M a year, as listed
- Full record
- Every detail in the company directory
Financial services in France
Startups like it
Is this your company?
Add your raise, your deck and your story, and put Defacto in front of investors. Or tell us what we have wrong.