← Embedded Finance Index 2026/Vendor

Defacto

Provider
Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 7 companies across 1 category.

defacto.com ↗Also analysed as a company — its own stack →Open Banking Tracker profile ↗
CategoriesLending
Rank#21 of 223 in Lending
Buyers7 companies
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Who uses Defacto
7 companies disclose Defacto in their stack
MurfyPennylaneMaltChiftLibeoGCollectComet
Buyer mix · 7 of 7 classified
Marketplace / Gig economy · 2Horizontal SaaS / Accounting · 1Horizontal SaaS / Spend Management · 1Infrastructure / Unified API (Financial Data) · 1Vertical SaaS / Home Appliance Repair · 1Vertical SaaS / Legal · 1
EU · 7
What the disclosures say
Murfy
“https://www.getdefacto.com/ (known_customer_listing — Defacto publicly lists Murfy as a customer); https://murfy.fr/blog/paiement-en-3-fois-pour-les-appareils-reconditionnes (Murfy blog confirms 3-instalment option for refurbished appliances)”
View source · getdefacto.com ↗
Pennylane
“Defacto publicly lists Pennylane as a customer (known_customer_listings).”
Malt
“getdefacto.com publicly lists Malt as a customer (TIER 1 known_customer_listing).”
Chift
“Chift powers lending underwriting for others (case study: Defacto uses Chift for accounting/invoicing data to enable instant loan eligibility).”
Libeo
“https://www.getdefacto.com/ (Getdefacto publicly lists Libeo as a customer — TIER 1 known_customer_listing; Defacto provides embedded short-term B2B lending/working capital financing)”
View source · getdefacto.com ↗
GCollect
“Defacto's own case study page (getdefacto.com/article/gcollect-invoice-collection) explicitly names GCollect as a customer and explains GCollect uses Defacto to offer clients short-term funding based on unpaid invoices while the collections process plays out.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Defacto? Claim this profile above to unlock your own full list.
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Alternatives to Defacto

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.

Affirm54 buyers →YouLend35 buyers →Mambu34 buyers →Klarna33 buyers →Stripe Capital28 buyers →Wisetack27 buyers →Liberis18 buyers →finmid16 buyers →
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Ranked #21 of 223 in Lending — Embedded Finance Index 2026
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