Defacto

Welcome to Defacto, a company founded in 2023 with a mission to revolutionize the lending experience for small and medium businesses in Europe.

Our team comprises industry experts from BCG, Spendesk, Stanford, and ClearMetal, each bringing invaluable insights and skills to the table.

Insufficient working capital is a critical roadblock for business growth across Europe, where securing credit facilities traditionally involves a cumbersome multi-stage process taking considerable time.

Defacto offers a streamlined lending solution, providing short-term, uncollateralized loans instantly through an automated process, significantly reducing the time from application to funding.

We own the entire value chain from embedded distribution to underwriting and servicing, leveraging state-of-the-art data management for dynamic decision making and automated learning to ensure scalability.

Our go-to-market strategy focuses on embedding our solution where SMBs naturally seek working capital, alongside partnerships across various channels to enhance acquisition, scoring, and origination.

With a customer satisfaction rate of 82% and our partnerships expanding rapidly, we have surpassed 190 million euros originated, with clear pathways for continued growth.

Our business model is designed for profitability, with a game-changing go-to-market strategy, significantly reduced customer acquisition costs, and an emphasis on automation to keep operational costs low.

Our roadmap lays out plans to penetrate the lending market, become a European champion in SME financing, and build an open credit infrastructure, ensuring sustainable growth.

Thank you for considering Defacto, where we are transforming the way SMEs access credit.