You recommend. We finance. You earn.
Offer clients a short-term financing solution, embedded directly within your application.
✅ Instant decision
✅ On-demand activation
✅ Zero paperwork
Forward-thinking partners growing faster with Defacto
Why become a Defacto partner
A partnership designed for financing Experts.
A simple, concrete solution for clients
Customers get fair financing with flexible rules and clear repayment schedules.
Additional revenue with minimal effort
Build long-lasting client relationships and extra income streams, without added sales or support effort.
Better advisory services for clients
Help your clients build sustainable, successful businesses, while Defacto takes care of the rest.
What your clients expect… and what we offer
Real-time eligibility
Your clients get an instant response with no paperwork, thanks to the automatic analysis of their accounting data.
Flexible financing
Repayment schedules from 3 to 120 days, with available financing capacity ready to use whenever your clients need it.
Transparent terms
Credit rules are clear and simple, with daily pricing based only on the funds your clients actually use.
Real use cases
Simple financing tools for brokers
A smooth setup for premium client services.
Instant eligibility
Check client eligibility in under 30 seconds.
One-click invites
Share a link with clients, and Defacto handles the rest.
Real-time tracking
Monitor financing and commissions across your portfolio.
Zero friction
No files, no paperwork, and no ongoing maintenance.
Trusted by 17,000+ businesses
€1B financed since 2021. €1.8B annual capacity. ACPR regulated. €30M+ raised from top investors.