“Can Defacto become the default embedded B2B lending infrastructure for European fintechs and vertical SaaS platforms by abstracting away credit risk, licensing, and scoring?”
Defacto launched as an ACPR-licensed B2B lender targeting European SMEs with real-time financing decisions. Rather than operating purely as a direct lender, the company built an API-first embedded lending infrastructure layer, enabling fintech and e-invoicing platforms to white-label its scoring engine, credit risk absorption, and regulatory compliance under their own brand. This positions Defacto squarely as a B2B embedded lending infrastructure provider, monetising both direct lending and partnership revenue share.