We’re building the SMB credit infrastructure, ready to scale our successful model🚀

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The opportunity is massive & the moment to ride the 🌊 is here.

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Yet, many lending startups have fumbled; here’s why:

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Our execution is different & has yielded industry-record results.

In less than 3 years we…

Guided by our deep banking and SaaS DNA, we've made a strategic choice to:

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Our embedded GTM & suite of products acts as an efficient flywheel and provides defensibility in our business model.

Positioned as the Stripe of Lending we’ve built a scalable distribution strategy that embeds Defacto into every SMB invoice financing workflow, maximizing revenue potential and expanding reach with each financing event. Our approach continuously improves our algorithm and expertise in SMB lending.

This foundation also makes Defacto an ideal partner for banks who ultimately own the keys to crack SMB lending at scale.

➡️ By maintaining a direct lending arm with a recognized brand, we not only drive strong word-of-mouth but remain relevant as the first users of our own infrastructure. This means we manage the complexities of compliance, leverage our balance sheet, and create a streamlined servicing model that accelerates all three of our distribution pathways.

➡️ Our API-first model allows seamless integration into partner platforms, amplifying two essential growth drivers: data network effects and faster customer acquisition.

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Our proprietary model & flexible infrastructure gives us an edge from acquisition to upsell.

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We plan to capture 1% of the French market in 3 years

Going further, we want to accelerate on building this unique model of being both a lending business and an infrastructure player