What Does DeFacto Do?

Total employees7294
HeadquartersParis
Founded2004

Defacto is a fintech company founded in 2021 that provides embedded financing solutions for Small and Medium-sized Enterprises (SMEs). It offers a lending API that enables B2B marketplaces, e-commerce platforms, and other service providers to offer instant, short-term financing and flexible payment options to their business customers. Defacto aims to simplify access to working capital for SMEs, helping them manage cash flow, pay suppliers, and seize growth opportunities without the lengthy processes of traditional banking. Their technology integrates with existing business tools to underwrite creditworthiness quickly and efficiently.

Where Is DeFacto's Headquarters?

HQ Function

The Paris headquarters serves as the central hub for Defacto's core operations, including product development, engineering, strategic planning, sales, and marketing efforts for the European market.

Notable Features:

Likely a modern, agile office space designed to foster collaboration and innovation, typical of tech startups. May feature open-plan layouts, breakout areas, and technology-enabled meeting rooms.

Work Culture:

Defacto's work culture is characterized by a fast-paced, innovative, and entrepreneurial spirit. It emphasizes problem-solving, customer-centricity, and teamwork, attracting talent passionate about revolutionizing B2B finance.

HQ Significance:

Locating in Paris provides Defacto access to a rich talent pool in finance and technology, a vibrant startup ecosystem, and proximity to key European markets and regulatory bodies.

Values Reflected in HQ: The headquarters likely reflects Defacto's values of innovation, transparency, and efficiency, with a functional and dynamic environment conducive to rapid development and collaboration.

Location:

Defacto is primarily focused on the European market, with its core operations based in Paris, France. Their digital-first approach and API-driven solutions allow them to serve SMEs and B2B platforms across various European countries. While direct physical offices outside of Paris might be limited to key strategic locations or co-working spaces for regional teams, their platform's reach extends to businesses operating within the EU. Future expansion may target other international markets as the company scales.

Street Address:

9 Rue de la Paix (This is a representative address, actual may vary and often not publicly disclosed for startups)

City:

Paris

State/Province:

Île-de-France

Country:

France

Where Else Does DeFacto Operate Around the World?

Berlin, Germany

Address: Co-working space, e.g., WeWork or Mindspace, specific address not publicly detailed.

To establish and grow Defacto's presence in German-speaking Europe, build local partnerships, and provide support to clients in the region.

Buying Intent Signals for DeFacto

Highperformr Signals uncover buying intent and give you clear insights to target the right accounts at the right time — helping your sales, marketing, and GTM teams close more deals, faster.

Notable news
Hiring actively
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
Corporate Finance
*Example signal, not calculated in real time

Who's Leading DeFacto? Meet the Executive Team

As of April 2025, DeFacto' leadership includes:

Jordane Giuly - Co-founder & CEO
Morgan O'hana - Co-founder & CPO
Marc-Henri Gires - Co-founder & CTO
Constance Dupy - Head of People
Benjamin Brain - Head of Revenue

Who's Investing in DeFacto?

DeFacto has been backed by several prominent investors over the years, including:

Northzone
Headline
Global Founders Capital (GFC)
Thibaud Elziere (Founder of eFounders)
Rodolphe Ardant (Founder & CEO of Spendesk)
Didier Valet (Former Deputy CEO of Société Générale)
Victoria van Lennep (Founder of Lendable)

What Leadership Changes Has DeFacto Seen Recently?

Hire2
Exits0

As a scaling startup, Defacto continues to build out its leadership team. In the past year, key hires have focused on revenue generation and people operations to support growth. No major executive exits have been publicly announced.

New Appointments:

Benjamin Brain, Benjamin Brain joined Defacto as Head of Revenue to spearhead sales and partnership strategies.
Constance Dupy, Constance Dupy was appointed Head of People to scale the team and foster company culture.

What Technology (Tech Stack) Is Used byDeFacto?

Discover the tools DeFacto uses. Highperformr reveals the technologies powering your target accounts — helping your sales, marketing, and GTM teams prioritize smarter and close faster.

DeFacto Email Formats and Examples

Defacto likely uses a common professional email format, typically combining the employee's first name or first initial with their last name at the company domain.

[first_name]@[joindefacto.com] or [f][last_name]@[joindefacto.com]

Format

jordane@joindefacto.com

Example

80%

Success rate

What's the Latest News About DeFacto?

TechCrunchJanuary 25, 2022

Defacto grabs $17M to become the ‘Plaid for B2B lending’ in Europe

Defacto, a Paris-based fintech startup, has raised a €15 million (approximately $17 million at the time) seed round. The funding was led by Northzone, with participation from Headline and Global Founders Capital, as well as notable angel investors. Defacto provides an API for B2B marketplaces and corporate service providers to offer short-term loans to their SME clients....more

EU-StartupsSeptember 15, 2021

Paris-based Defacto raises €3 million seed funding to give SMEs access to short-term financing

Defacto announced it has secured €3 million in a seed funding round led by Global Founders Capital (GFC) and Headline. Several business angels also participated. The funds are aimed at further developing its API-based lending platform for SMEs and expanding its team....more

MaddynessMay 8, 2023

Defacto, the startup that wants to become the leader in B2B fractional payments

Defacto is positioning itself as a key player in the B2B fractional payments space in Europe. The article highlights their ambition to simplify B2B transactions for SMEs by providing flexible financing options directly embedded into partner platforms....more

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