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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.
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.
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.
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.
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.
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.
9 Rue de la Paix (This is a representative address, actual may vary and often not publicly disclosed for startups)
Paris
Île-de-France
France
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.
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As of April 2025, DeFacto' leadership includes:
DeFacto has been backed by several prominent investors over the years, including:
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.
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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
TechCrunch • January 25, 2022
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-Startups • September 15, 2021
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
Maddyness • May 8, 2023
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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