Defacto
Instant financing. The kind SMEs actually deserve.
Paris, France · Founded 2021 · $30.3M raised
- Headquarters
- Paris
- Employees
- 51–200
- Founded
- 2021
- Business Model
- B2B
- Website
- getdefacto.com
- Total Funding
- $30.3M
- Last Round
- $16.0M Series BSep 2025
- Rounds
- 5
About
Defacto was built to solve the €700 billion working-capital gap SMEs face daily, rebuilding credit infrastructure to make short-term financing fast, precise, and reliable. The Paris-based fintech has deployed more than €1.3 billion in funding, processed over 75 million transactions, and supported more than 25,000 SMEs through four products — Direct, Liquid, Connect, and Core — spanning self-serve lending, embedded APIs for partners, and Lending-as-a-Service infrastructure for banks. Defacto is ACPR-licensed and ISO 27001 certified, and was named France's fastest-growing company in 2026 by Les Echos.
Summary
Defacto is a Fintech company based in Paris, France, founded in 2021. It has raised $30.3M in total across 5 rounds, most recently a $16.0M Series B round in Sep 2025. Investors include Citi Ventures, La Maison and Northzone.
Tech & App Stack
5 technologies & apps tracked
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Funding History
Sep 2025
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Funding: Seed through Series B. Amounts, valuations, and investors where available.
Investors
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