Un soutien de long terme, à la vitesse de l'opérationnel. C'est ça, le financement Defacto. 6Xpos a développé une solution tech 100 % souveraine, hébergée sur ses propres serveurs en France. Ils équipent les points de vente avec une plateforme complète : caisse, commande, gestion, livraison. Tout-en-un, tout maîtrisé. Leur objectif : offrir à leurs clients sécurité, indépendance et contrôle total sur leurs opérations comme sur leurs données. Mais pour tenir ce cap, il faut plus qu'une vision. Il faut de la trésorerie. Disponible. Au bon moment. C'est là qu'on intervient. En finançant leur besoin en fonds de roulement, on leur donne la flexibilité d'investir là où ça compte : leur produit, leur croissance, leur impact. Merci Mati Serradeill pour la confiance. #Defacto #6XPOS #BFR #SouverainetéNumérique #Cashflow #Fintech #TechForRetail
À propos
We're a team of builders and risk experts who believe access to capital should be fair and instant—which is what we're working hard to make happen. We're proud to finance more than 10,000 SMEs in Europe with our AI-native B2B lending platform and embedded lending API leveraged by top fintech and marketplace parters such as Qonto, Malt, Pennylane and Libeo.
- Site web
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https://www.getdefacto.com/
Lien externe pour Defacto
- Secteur
- Services financiers
- Taille de l’entreprise
- 51-200 employés
- Siège social
- Paris
- Type
- Société civile/Société commerciale/Autres types de sociétés
- Fondée en
- 2021
- Domaines
- fintech, B2B, lending, invoice financing, BNPL, B2B marketplace, lending-as-a-servce, SME financing, Open banking, Artificial Intelligence , Receivables Financing, Lendtech, working capital technology, Digital lending et BFR
Lieux
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Principal
Obtenir l’itinéraire
Paris, FR
Employés chez Defacto
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Charles Ruelle
Founder & CEO Sezame - Démocratise l'accès à la propriété et propose des club deals sécurisés à impact 🏡
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Gauthier Dominicy
B2B Tech. Leader | Driving International Growth For SaaS, Platforms & Marketplaces.
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Bruno Oliveira
Chef de succursale chez Interdiscount / Investisseur Blast.Club
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Arvind Behura
Strategic Deal-Maker & Freelance Consultant | Empowering Start-ups for success
Nouvelles
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Thrilled to announce that Charlotte Gounot has been promoted to Directrice Générale Déléguée at Defacto 🎉 Charlotte has been instrumental in building Defacto from day one. Over the past months, she's: - Structured two FCT vehicles and led our ACPR licensing process - Represented Defacto at major events (including speaking at BITD with two ministers) - Driven our business development with banks and industrial players - Become a leading voice on fintech and SME financing topics Her trajectory is unique: 15+ years bridging fintechs and traditional finance, with stints at the Direction générale du Trésor (French Treasury), and Agence France Trésor. That rare mix of tech, regulation, and public finance expertise has been invaluable as we scale France's first licensed fintech lender for SMEs. This promotion reflects how her role has naturally evolved and strengthens our leadership team for the next stage of growth. Huge congrats Charlotte, incredibly well deserved
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On vient de recruter Cyriaque Levoir en tant que Internal Control & Compliance Officer chez Defacto ! Défendre une culture de contrôle saine, sans jamais freiner la vitesse — c’est tout l’art de son métier. Et visiblement, les défis ne lui font pas peur… Comme toujours, on vous laisse deviner : 2 vérités, 1 mensonge Saurez-vous trouver l’intrus ? 🧗♂️ J’ai gravi un sommet à plus de 6000 mètres ⛵ J’ai traversé l’Atlantique à la voile 🐍 Je me suis fait mordre par un serpent Réagissez avec : 💡 pour la montagne ❤️ pour la traversée 😂 pour le serpent
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Software is eating SME finance. 🍽️ On September 30th, our co-founder Morgan O'hana will be at UBS in London 🇬🇧 to talk about one of the biggest shifts in B2B finance: How software is becoming the new distribution layer for SME financial services. Fast, API-first, invisible. Exactly what modern businesses need. At Defacto, we believe the future of SME finance is embedded — and this future is being built right now, across Europe. If you’re attending, come say hi 👋 #EmbeddedFinance #SMEs #Fintech #APIs #Defacto #B2B #UBSConference #London
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Europe’s biggest credit opportunity is hiding in plain sight. 99% of European businesses are SMEs. And most of them still don’t have access to the capital they need to grow. Not because there’s no demand. But because traditional credit just wasn’t built for them. The result? ◦ A €400–600B shortfall ◦ Long waits, rigid rules, and collateral roadblocks ◦ A broken system for fast-moving businesses The good news: ▸ Fintechs and private credit players are rewriting the rules. ▸ Faster decisions, real-time data, embedded finance. ▸ Tailored risk, flexible structures, end-to-end workflows. We’re not just fixing access. We’re redefining how SME financing works — from the ground up. 👇 See how, in 9 slides #PrivateCredit #SMElending #Fintech #Innovation #Defacto #EmbeddedFinance #AlternativeLending #EuropeanStartups #B2Bfintech
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When AI meets fintech, it’s not just a match – it’s a power couple. 👩❤️💋👩 Jordane Giuly, our CEO, highlighted how AI is transforming credit scoring and driving scalability in fintech at the FDDAY 2025. Key takeaways : ◦ GenAI as a transformative force in fintech: Beyond automating tasks, it enables real-time decision-making and more intelligent financial services ◦ From testing to scaling: The true challenge lies in moving from pilot projects to large-scale implementation. At Defacto, we’re already making this leap. ◦ Unlocking personalization with client data: To deliver truly customized experiences, AI must access client data – whether through MCP layers or APIs. ◦ Europe’s unique position in fintech: With policies like Open Banking and FIDA, Europe is ready to cultivate and export the next generation of fintech giants. At Defacto, we’re not just keeping up with the future of financial services – we’re shaping it. Big thanks to France Digitale and France FinTech for bringing this conversation to life. And shoutout to the great minds who joined us on stage: Axel Demazy Spendesk, Alison Imbert Partech, Nicolas Meric Société Générale Moderated by the one and only Kristen Charvin 🙌 #AI #Fintech #Innovation #GenAI #OpenBanking #Defacto #FDDAY2025 #CreditScoring
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Defacto a republié ceci
Lending fintechs are high in demand - congrats to the Defacto team on their funding round! To date, Lending fintechs only account for 3% of global lending revenues and revenues are concentrated with conglomerate-backed chinese lenders (Lufax, Ant, Webank) or personal unsecured loans providers and BNPL. Outside of this niche, penetration falls to below 1%. Despite ability to acquire clients and originate loans, Fintechs struggled to compete with banks' cost of funding and match VC expectations of book growth x credit quality. This is changing: - Customer data and underwriting models are getting more mature, driving better risk x reward balance - Interest rates are (for now) stabilising - Most importantly private credit funds are gaining traction, at 20% CAGR over the last 5 years Historically, none of the mainstream funding options really supported Lending fintechs scale: - depository institution status: difficult, costly, not fit for purpose for subscale entities - equity capital: not scalable or sustainable - securitisation: sometime slow and inflexible funding source - bank partnerships: compressing unit economics, challenging for riskier segments Why does Private Credit change the game ? - Private Credit funds can and will structure more complex or idiosyncratic deals - AuM is rising steadily at 20% CAGR, now reaching $1.7T - Private Credit funds see Lending fintechs as an attractive opportunity to tap into billions of originated loans each year Lending was always seen as a way to deepen customer relationship, generate stickiness while tapping high margins. Now combining better funding availability together with capabilities developed by Lending Fintechs it can be more broadly distributed with acquirers, vertical SaaS players and tackle underserved segments like B2B much more broadly. In a context where 50% of fintech revenues came from a handful of now established leaders in the Payments, Challenger banks and Crypto trading and brokerage segments, it's great to see new segments accelerating ! 🚀 More insights on the Fintech landscape in the Fintech Global Report: https://lnkd.in/ewKR4hqV BCG on Financial Institutions
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“Every company will be a fintech company.” Andreessen Horowitz’s famous prediction still resonates in 2025—but today, execution is what counts, not the hype. For B2B platforms, fintech revenue isn’t optional anymore. But not all fintech strategies are created equal. Here’s how to build a high-impact monetization strategy for your platform, tailored to your risk appetite and market dynamics.
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Defacto just raised €16M. For the past 4 years, we’ve been fixing something most had quietly written off: SMB credit in Europe. Now the tide is turning. Credit is making a comeback. We're happy to welcome La Maison Partners and Blast Club to our cap table — alongside Northzone, Citi, Headline and Global Founders Capital. Here’s what’s changed: – AI, e-invoicing and private debt now make lending scalable and profitable. – We’ve financed over €1B, and closed one of the largest fintech debt funds in Europe. – We’re still just 27 people (plus 8 AI agents sometimes doing great stuff, sometimes driving us mad) If you only remember one thing: ChatGPT can write this post. But it will never lend you money. We’re here for that. 🟡 Credit is back in yellow. Thanks to our team, our customers, our partners and investors. This is just the beginning.
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🥖🇫🇷 Oui oui Tide We’re proud to power your launch in France. As the UK’s leading business financial platform, Tide is supporting a community of over 1.5 million small businesses worldwide in taking control of their finances. For their French debut, they’ve chosen Defacto to bring embedded lending straight into the product experience. Instant. Invisible. Seamless. That’s how access to capital should feel. Our infrastructure is built for platforms like Tide: fast, reliable, and built to last. Because at Defacto, we believe every SME deserves finance that adapts to their reality. This is embedded lending, done right. #Defacto #Tide #EmbeddedLending #Fintech #SMEbanking #B2Bfinance #FranceLaunch #FinancialInfrastructure
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Série inconnue18 971 665,00 $US