Locations
Île-de-France, France · Paris, France · Paris, France
industry
DeepTech · Finance · Hardware · Lending and Investments · Software
Size
51-200 employees
Stage
Series A
founded in
2021
Defacto is a fintech company that provides embedded lending solutions for small and medium-sized businesses (SMBs) across Europe. Their innovative platform offers instant financing for working capital needs, including invoice and inventory financing, enabling businesses to manage cash flow efficiently. With a focus on speed and transparency, Defacto leverages AI-driven underwriting to deliver loans in an average of 27 seconds, having already facilitated over €600 million in loans to more than 10,000 SMBs. Their API-first approach allows seamless integration into existing platforms, making it easier for businesses to access essential capital without the traditional complexities of lending.
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