Defacto

Defacto stands out for its speed, simplicity and flexibility, offering SMEs an alternative to traditional financing solutions which are often long, costly and restrictive.

 Defacto is a French fintech founded in 2021, specializing in short-term financing for European small and medium-sized enterprises (SMEs). It offers a 100% flexible credit solution accessible in a few clicks, allowing companies to finance their inventory, marketing, trade receivables or any other growth project, without having to provide guarantees or administrative documents.

 Through its API, the platform connects to companies’ accounting and banking data and provides them with a personalized financing offer tailored to their needs. Companies can thus obtain instant access to on-demand financing to cover their trade receivables, purchases, marketing or whatever they need to grow at their own pace.

 In less than two years, Defacto has lent 300 million euros to more than 7,000 European companies.

 The company is approved as a Financing Company, regulated by the ACPR (Prudential Control and Resolution Authority), guaranteeing the compliance of its services with the regulations in force.