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 line of credit

Access to a line of credit to optimise your cash flow

How does it work

1. Upload 1 to 1 000 invoices

Use our example invoices or your own to create your first drafts

2. Request & reimburse loans

Generate loans & reimbursements by SCT or direct debit

3. Get visibility on all events & transactions

Get details on any granular events for every loan, payments and activity