
Defacto is a fintech firm that offers credit infrastructure using an API for small and medium companies. The platform of the company solves the working capital requirement, provides loans, and lets businesses to return when consumers pay, allowing businesses to finance any invoices and offer early payment to suppliers, as well as automate payments and reconciliation.

Defacto is a fintech firm that offers credit infrastructure using an API for small and medium companies. The platform of the company solves the working capital requirement, provides loans, and lets businesses to return when consumers pay, allowing businesses to finance any invoices and offer early payment to suppliers, as well as automate payments and reconciliation.
Headquarters: Paris, Île-de-France, France
Founded: Mid-2021
Product: API-first, embedded working-capital and invoice financing for SMBs
Reported financing deployed: €800M+ financed to 12,000+ SMBs (reported March 2025)
Employee count: ~70
SMB working capital and invoice financing
2021
Fintech
€167,000,000
Debt facility used to finance lending and securitize short-term loans to SMEs.
“Backed by venture and debt investors including Northzone, Citibank, GFC, Motier Ventures, Headline, and Viola”