Defacto is a real-time lending platform that helps businesses optimize cash flow and working capital with speed and confidence.
We offer instant, flexible financing available both directly and via API integrations with accounting and ERP tools.
Built with security and compliance at its core, Defacto is GDPR and ISO 27001 compliant, applying strict controls across data access, risk management, and system monitoring.
Our mission: provide transparent, secure, and scalable financing for modern businesses across Europe.

Secure authentication
Identity management
Authentication information
+2 more
Management review results
Documented information
Information security management system
+17 more
Networks security
Security of network services
Remote working
+1 more
ICT readiness for business continuity
Redundancy of information processing facilities
Information backup
bastion