Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 7 companies across 1 category.
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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.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #24 of 254 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/defacto/install" width="1" height="1" alt="" style="display:none">7 companies are linked to Defacto in the Embedded Finance Index 2026, through their own public disclosures or Defacto's published customer list, including Murfy, Pennylane, Malt, Chift, Libeo, GCollect and Comet.
Defacto is an embedded-finance provider in Lending. It ranks #24 of 254 Lending providers by linked companies.
The most-named Lending alternatives to Defacto are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Defacto is headquartered in France.
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