Defacto
Paris working capital financing on invoices, stock and cash flow
Quick Overview
| Company | defacto, sas |
|---|---|
| Category | Business Lending Platforms |
| Headquarters | Paris, France |
| Founded | Not stated |
| EU Presence | Yes - France (ACPR licensed financing company no. 734364) |
| Data Location | Website hosted by Amazon Web Services EMEA SARL, Luxembourg; customer data location not stated |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Defacto Direct financing, accounts receivable financing, stock financing, Treasury Flex, credit card, supplier discounts, embedded API |
| Pricing | not shown on the pages we read; the site offers an eligibility test |
| Best For | French SMEs that want short-term financing on invoices or stock without a bank loan process |
| Replaces | BlueVine Line of Credit, BlueVine Invoice Factoring |
Detailed Review
defacto, sas is a French simplified joint-stock company at 100 Boulevard de Sebastopol, Paris, registered under RCS Paris 899 270 979 with a share capital of EUR 7,479.65. The legal mentions state that it is an ACPR licensed financing company under number 734364.
Defacto states that it finances cash flow needs on demand with transfers in seconds, and that more than 25,000 SMEs are trusted and funded. The product menu covers accounts receivable, stock financing, Treasury Flex, a credit card and supplier discounts.
Which financing products does Defacto list?
Defacto Direct is described as financing approved and paid out in minutes. The menu lists accounts receivable, stock financing, Treasury Flex, a credit card and supplier discounts.
Defacto states that EUR 700 billion in invoices are waiting to be paid between French businesses, and presents its financing as the answer to that wait.
Defacto for platforms and banks
Defacto Connect lets partners offer financing to their own clients through a referral programme, a white-labelled embedded API or e-invoicing platforms. Defacto Core is described as credit infrastructure for banks and factors.
The site lists ISO 27001 and states GDPR compliance.
Defacto as a European alternative to BlueVine
Defacto is a licensed French financing company, where BlueVine states a US lending-partner model for its term loan. Defacto's own site hosts on AWS in Luxembourg.
BlueVine includes checking and payments. Defacto stays with financing and an API for partners.
Limitations to Consider
Defacto shows no rates, fees or limits in the text we read, and the site is aimed at French businesses with French invoices. The legal mentions name AWS EMEA SARL in Luxembourg as website host, which is not the same as customer data location. Compare Kriya for UK invoice finance.
Who Should Use Defacto
French SMEs and platforms that want invoice and stock financing paid out quickly, and fintechs that want to embed credit through an API.
Pros and Cons
Pros
- ACPR licence number and RCS registration published
- Receivable, stock and treasury financing in one provider
- Payout in minutes, per the site
- Embedded API and referral programme for partners
- ISO 27001 listed on the site
Cons
- No rates or fees in the text we read
- Focus on French businesses
- Data location for customers not stated
- No bank account or checking product
Alternatives to Defacto
Other European business lending platforms worth comparing before you decide:
See all European business lending platforms or compare them directly against BlueVine Line of Credit on our alternatives page.
Frequently Asked Questions
Yes for French SMEs. Defacto is defacto, sas in Paris, licensed by the ACPR, and it finances invoices, stock and short-term cash flow.
Defacto's legal mentions state that it is an ACPR licensed financing company under number 734364, with registration RCS Paris 899 270 979.
Yes. Defacto Connect offers a white-labelled embedded API and a referral programme, and Defacto Core serves banks and factors.