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Defacto

Defacto

Defacto is an AI-driven B2B lending platform that provides instant financing to SMEs in Europe through an embedded lending API.

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We're a team of builders and risk experts who believe access to capital should be fair and instant—which is what we're working hard to make happen.

We're proud to finance more than 10,000 SMEs in Europe with our AI-native B2B lending platform and embedded lending API leveraged by top fintech and marketplace parters such as Qonto, Malt, Pennylane and Libeo.

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