Connect Defacto's API and offer your users seamless embedded lending solutions

Defacto is the leading European embedded lending API, providing small businesses with instant, flexible financing. Our obsession with developer experience drives our mission to enhance financial access for SMBs through tech, with remarkable speed and efficiency.

Explore Defacto’s embedded financing features 🤩

Payable financing

Enable buyers on your marketplace or users on your dashboard to pay their invoices later

Receivable financing

Enable your sellers or your users to cash-in their receivables right now and offer payment terms to their customers

Flexible wallet financing

Access to a wallet to optimise your users' cash flow

Card transaction financing

Enable your customers to finance card transactions to offer a credit card solution

Buy Now, Pay Later (BNPL) financing

Enable your customers to finance their purchases (in-store and online)

Quick start - recommended first steps!

1. Getting started

Read the "Getting started" section to understand the basics

2. Concepts & guides

Read the concepts to to understand the state machines per entity and review the guide for your use case

3. First steps with recipes

Do your first API calls with the the recipes to get to know the main features of Defacto's API