Defacto is an embedded finance product that aims to improve the credit infrastructure for small and medium companies.

Defacto's mission is to give every business a chance to succeed and to do better business.

Defacto was founded in 2021 by Jordane Giuly, with Morgan O’hana and Marc-Henri Gires. The company is headquartered in Paris, Île-de-France, France.


Defacto provides loans and credit to small companies through an API-based product. It enables third parties such as marketplaces, ecommerce platforms and others to embed its products directly in their own products, integrating seamlessly.


Defacto is the only embedded lending API that gives small businesses access to instant, flexible financing. The company automatically analyzes your revenue to give you an answer in real time.


Defacto has built partnerships with over 15 leading B2B marketplaces, fintech companies and ecommerce businesses – distributing over €30 million in short term loans.


Defacto is backed by Northzone, Global Founders Capital, Headline, Thibaud Elzière, Rodolphe Ardant, and others. The company raised €15M in a Series A round on Jun 07, 2022. This brings Defacto's total funding to €21M to date.



  • Year founded: 2021
  • Funding Info: €21M over 3 Rounds (Latest Funding Type: Series A)
  • Yearly Revenue: NA
  • Employee Size: 11-50
  • Business Valuation: NA
  • City/Town: Paris
  • State: Île-de-France
  • Country: France
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