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Defacto logo — Instant financing for SMEs

Defacto

Instant financing for SMEs

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

General Information

Company Name Defacto
Founded Year 2021
Location France France
Founders / Decision Makers
Team member Team member Team member
Employees 87
Industries B2B, Finance, Fintech +2
Business Model B2B, API, Embedded Finance
Revenue Model Transaction Fee, Usage Based, Service Fee
Social

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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.

Business keywords: 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 €16.00M 6
Headline Global Founders Capital Northzone
Headline, Global Founders Capital +4
01 Sep 2025
Series A €10.00M 4
Citi Ventures Global Founders Capital Northzone
Citi Ventures, Global Founders Capital +2
01 Nov 2023
Lending Capital €167.00M 2
Viola Ventures Citi
Viola Ventures, Citi
01 Jul 2023
Series A €15.00M 7
Global Founders Capital Northzone Motier Ventures
Global Founders Capital, Northzone +5
01 Jun 2022
Seed €3.00M -
01 Nov 2021

Latest News

View All
Bridging the gender diversity gap: Insights from women leaders and founders in European fintech — Eu-startups
Bridging the gender diversity gap: Insights from women leaders and founders in European fintech
Eu-startups Apr 02, 2024
10 French startups to watch in 2024 — Tech
10 French startups to watch in 2024
Tech Mar 26, 2024
‘Qonto want to buy the world’: How France’s business banking unicorn is defying fintech downturn — Sifted
‘Qonto want to buy the world’: How France’s business banking unicorn is defying fintech downturn
Sifted Feb 27, 2024
Defacto's €10M Series A extension fuels plans for German market entry — Tech
Defacto's €10M Series A extension fuels plans for German market entry
Tech Jan 23, 2024

Defacto Alternatives & Competitors

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Defacto vs
Hero
Hero France

Your payments and cash flow — all working seamlessly together as one. It’s all right here on Hero.

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152 employees
B2B, Fintech
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Defacto vs
Resolve
Resolve United States

All-in-one net terms solution for credit checks, embedded B2B payments, and AR automation. The B2B s...

58 employees
B2B, E-Commerce
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Defacto vs
Finaxar
Finaxar Singapore

Reinventing Business Financing

11 employees
Finance, Financial Services
Also compare with: Defacto vs CredibleX CredibleX View all alternatives

FAQ About Defacto

Instant financing for SMEs
Defacto was founded in 2021.
Defacto is headquartered in France.
Defacto operates in B2B, Finance, Fintech, Payments and Embedded Systems. Its work centres on Instant Financing, Short-term Financing, Automated Scoring and Credit Infrastructure. Its customers include Small and Medium Enterprises (SMEs), Banks and E-Invoicing Platforms.
Defacto has a B2B, API and Embedded Finance business model. Its revenue comes from Transaction Fee, Usage Based and Service Fee.
Defacto has approximately 87 employees.
Defacto has completed 5 funding rounds, raising a total of $211.00M.
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 Hero, Resolve, Finaxar, Plastiq, Mondu. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Defacto and Hero 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.

Source: BounceWatch company record for Defacto, https://bouncewatch.com/company/defacto, updated 10 June 2026. When citing, please name BounceWatch and link this page.

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