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

Defacto is the only embedded lending API that gives small businesses access to instant, flexible financing. We are obsessed with developer experience because we believe through tech we can improve financial access for SMBs with drastic speed and efficiency.

What can you offer with Defacto?

Marketplace x PAY LATER

Enable buyers to pay later during checkout.

Marketplace x CASH IN NOW

Enable seller to get paid immediately.

Flexible wallet financing

Access to a wallet to optimise your users' cash flow.

How does it work?

1. Create a borrower

Create a borrower with a business registration number.

2. Request & reimburse loans

Request loans & repay by bank transfer or direct debit.

3. Get visibility on all events & transactions

Get details of every events for each loan and payment.