Defacto
Also a provider — view Defacto’s profile →“Can Defacto become the default embedded B2B lending infrastructure for European fintechs and vertical SaaS platforms by abstracting away credit risk, licensing, and scoring?”
HQFrance
IndustryInfrastructure / Lending
The story
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.
Last 12 months
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Regulated entities
1
regulatory licence held by Defacto
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Defacto’s embedded-finance stack
Banking / BaaS
Lending
in the full report
Unified APIs
in the full report
Accounting gap: none
8 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.