# Defacto

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/defacto

- Industry: Financial Services
- Headquarters: Paris, France
- Website: www.getdefacto.com
- Total disclosed funding: $49M
- Latest round: Series B (Sep 5, 2025)
- Investors on record: 6

## About

Based in France, Defacto, SAS provides a platform for innovative financial solutions aimed at enhancing cash flow management for businesses. Their services focus on self-serve financing options tailored for small and medium-sized enterprises (SMBs).Defacto, SAS, founded in 2021, is located in Paris, France, and specializes in financial solutions for businesses.In September 2025, Defacto, SAS raises EUR 16 million in series B funding co-led by returning investor Citi Venture and new investor La Maison Partners, with participation from other new investor BLAST ApS. Returning investor Headline, Northzone and Global Founders Capital also participated in the round. The company will use the funding to significantly increase lending to small and medium enterprises across Europe. While David Schoelles serves as the CEO. Defacto offers innovative financial solutions designed specifically for businesses looking to manage their cash flow effectively. Their core product line includes self-serve and embedded financing options that facilitate stock financing, accounts payable, and accounts receivable management. These offerings are tailored to address the diverse needs of small and medium-sized businesses (SMBs), allowing them to access working capital quickly and efficiently. The financing process is streamlined, requiring only two clicks to link banking apps, enabling users to discover their loan capacity within 27 seconds. Defacto serves a wide range of industries through its partnerships, providing solutions to over 12,000 SMBs across various geographical markets, including Europe and North America. Revenue generation for Defacto is primarily driven by its lending services, which operate on a transparent pricing model averaging 0.05% per day on the amount financed. The company's revenue structure is based on transactions where SMBs request advances against their accounts receivables or inventory restocking needs. A typical transaction involves a business utilizing Defacto's platform to secure funds for inventory replenishment, with repayments structured flexibly between 0 to 120 days. Additionally, Defacto offers its services through partnerships with banks and other financial institutions, enhancing the value proposition for clients who can leverage these integrations for seamless access to capital. This approach strengthens the financial support for SMBs and fosters long-term relationships with partners and clients alike.

## Funding rounds

- Series B, Sep 5, 2025, $19M — Northzone, Headline, Citi Ventures, Global Founders Capital, La Maison Partners, BLAST ApS
- Series A, Nov 8, 2023, $11M — Northzone, Headline, Citi Ventures, Global Founders Capital
- Series A, Jun 7, 2022, $16M — Northzone, Headline, Global Founders Capital
- Seed, Nov 12, 2021, $3.4M — Headline, Global Founders Capital

## Investors

- Headline (https://capitalatlas.ai/funds/headline) — Seed, Series A, Series B
- Global Founders Capital (https://capitalatlas.ai/funds/global-founders-capital) — Seed, Series A, Series B
- Northzone (https://capitalatlas.ai/funds/northzone) — Series A, Series B
- Citi Ventures (https://capitalatlas.ai/funds/citi-ventures) — Series A, Series B
- La Maison Partners (https://capitalatlas.ai/funds/la-maison-partners) — Series B
- BLAST ApS — Series B