Series B · Fintech · Paris, France · Founded 2021 · 51–200 employees
Defacto is a Paris-based fintech company founded in 2021, offering an AI-native B2B lending platform that provides instant, embedded financing solutions to SMEs across Europe. By integrating its API-first product with partners like Qonto, Malt, and Pennylane, Defacto has facilitated over €1 billion in loans to more than 17,000 companies in under four years. With recent funding rounds, including a €16 million Series B led by Citi Ventures and La Maison Partners, and a €167 million securitization fund with Citi and Viola Credit, Defacto is poised to scale its operations and expand its services across Europe.