Defacto is an ACPR-licensed B2B lender for SMEs: invoice and supplier financing with daily rates from 0.05% to 0.08% and a 27-second capacity check.
Researched and fact-checked by Bartu Cavusoglu · Updated October 26, 2026
Defacto is a B2B lending platform that finances the short-term cash needs of small and mid-sized businesses. It describes itself as API-first, and it operates as a financial institution licensed by the ACPR, the French prudential regulator. Businesses use it to turn unpaid invoices into cash, pay suppliers earlier, or cover a temporary gap in treasury.
The company was founded in 2021 by Jordane Giuly, Morgan O'Hana, and Marco Gires. Its site reports more than 25,000 SMEs supported and over €1.7 billion in financing granted. Defacto also sells to partners: Connect is a white-labeled embedded lending API for software companies, and Core is lending infrastructure for banks and factors.
The process starts with a one-time setup. A business connects its existing bank, accounting or invoicing tools, and Defacto analyzes its financing capacity in about 27 seconds. The business then creates an online account and accepts the terms. The site does not require paperwork, and the business does not need to change banks.
Each financing takes two clicks. The business submits a customer invoice, a supplier invoice or a treasury advance request, and the funds are sent by transfer. Repayment can be a single payment or instalments, from 3 days up to 120 days for invoices and 6 months for treasury advances. Capacity is reassessed automatically after each repayment cycle.
The main products are accounts receivable financing, supplier invoice financing and Treasury Flex. Receivable financing works invoice by invoice with no portfolio assignment, and buyers are not notified. Supplier invoice financing lets Defacto pay the supplier directly or send the funds to the business. Treasury Flex needs no invoice and offers up to €50,000 in fixed monthly instalments.
The site also lists purchase order financing, stock financing and a corporate credit card. Repayment terms are flexible: early repayment adjusts interest to the actual duration, and a repayment date can be postponed by up to 30 days within a 120-day total term. Security credentials include ISO 27001 certification, PSD2 compliance and GDPR compliance.
Defacto is an API-first B2B lending platform that offers short-term financing to SMBs and embedded lending to fintech partners and financial institutions. It is licensed by the ACPR.
Defacto charges a daily rate on the amount financed, with real-time rates between 0.05% and 0.08% per day. The site states there are no platform fees or hidden fees. For example, using $5,000 for 30 days at 0.05% per day costs $75.
Financing capacity is assessed in about 27 seconds. The site describes instant transfers, while its FAQ says funds are typically available within 1 to 2 business days once approved.
A company needs a NAF/EPA code in a sector Defacto serves in France, a commercial activity listed in the RCS or RNE, a public status in the Sirene directory, and a bank connected through APIs. At least 6 months of financial data is needed for an initial limit.
It finances customer invoices, supplier invoices and treasury advances through Treasury Flex, and the site also lists purchase order financing, stock financing and a corporate credit card. Invoice financing runs up to 120 days and Treasury Flex up to 6 months.
The site states there is no personal guarantee, no paperwork and no bank negotiation. Customers and suppliers are not notified of the financing.
It connects to more than 20 banks, accounting, invoicing and treasury tools, including Qonto, Pennylane, Sage 100, NetSuite, QuickBooks, Agicap and several French banks. Users can request other integrations.
No. You can use as much or as little of your capacity as needed and pay only for the amount and duration used. The arrangement is revolving, so you can borrow, repay and borrow again within the limit.