Defacto

Defacto is Europe's leading API-first B2B lending platform, giving SMBs instant access to working capital. Founded in 2021, the company has deployed over €1,5 billion in financing to +25 000 companies across eight countries. Backed by Northzone, Citi, and Headline, Defacto is licensed by the ACPR and partners with platforms like Qonto, Pennylane, and Malt to embed financing directly into existing business workflows.