Defacto logo — Instant financing for SMEs

Defacto

Instant financing for SMEs

Founded 2021 France France 87 employees Unknown Total: $211.00M B2B, Finance +3

General Information

Company Name Defacto
Founded Year 2021
Location France France +1
Founders / Decision Makers
Team member Team member Team member
Employees 87
Industries B2B, Finance, Fintech +2
Funding Stage Unknown
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About Defacto

Defacto, founded in 2021, has rapidly established itself in the B2B, Finance, Fintech, Payments, and Embedded Systems industries. This France-based company delivers on its slogan of providing "Instant financing for SMEs" by offering short-term financial solutions with automated scoring and instant credit access. By addressing the stress associated with managing working capital, Defacto has successfully deployed over €1.5B to finance more than 20,000 SMEs.

The company has partnered with notable firms like Qonto, Pennylane, Malt, and Société Générale Factoring, ensuring a robust ecosystem that supports its clientele. Regulated by ACPR, Defacto is backed by a strong investment network, having received a recent €16.00M Late VC investment from investors such as Headline, Global Founders Capital, Northzone, Lamaison Partners, Blast Club, and Citi.

Defacto offers a compelling proposition for investors seeking to support a promising fintech that effectively caters to the vibrant SME sector.

Taxonomy: Instant Financing, Short-term Financing, Automated Scoring, Credit Infrastructure, API, Invoice Financing, BNPL (Buy Now Pay Later), B2B Marketplace, Lending-as-a-Service, SME Financing, Open Banking, Receivables Financing, Digital Lending, Working Capital Technology

Services & Products

Instant Working Capital Access
Flexible Loan Options
Accounts Receivable Financing
Stock Financing
Purchase Order Financing
Supply Chain Financing
Cash Flow Financing
Corporate Credit Card

Target Customers

Small and Medium Enterprises (SMEs) Banks E-Invoicing Platforms B2B Marketplaces Fintech Partners

Funding Rounds & Investors (5)

View All
Funding Stage Amount Investors Lead Investors Date
Late Vc •••••• 6
Investor Investor Investor Investor Investor Investor
01 Sep 2025
Series A •••••• 4
Investor Investor Investor Investor
01 Nov 2023
Lending Capital •••••• 2
Investor Investor
01 Jul 2023
Series A •••••• 7
Investor Investor Investor
•••• ••••
01 Jun 2022
Seed •••••• - 01 Nov 2021

Defacto Alternatives & Competitors

View All Alternatives
Defacto vs
Capital Match
Capital Match Singapore

Short-term business financing made simple!

Series A
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Defacto vs

Digitalizing access to financing solutions for SMEs

Grant
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Defacto vs

La dette privée au service de l'immobilier !

Series Unknown
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FAQ About Defacto

Instant financing for SMEs
Defacto was founded in 2021.
Defacto is headquartered in France.
Defacto operates in the following industries: B2B, Finance, Fintech, Payments, Embedded Systems.
Defacto has approximately 87 employees.
Defacto has completed 5 funding rounds, raising a total of $211.00M. The latest funding stage is Unknown.
Defacto offers: Instant Working Capital Access, Flexible Loan Options, Accounts Receivable Financing, Stock Financing, Purchase Order Financing, Supply Chain Financing, Cash Flow Financing, Corporate Credit Card.
Top alternatives and competitors to Defacto include Capital Match, Invoice Cash, WeShareBonds, Banxware, Lnddo. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Defacto and Capital Match are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

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