Powering instant embedded financing for SMEs across Europe with Mambu
French B2B lending platform Defacto partnered with Mambu Payments to bring embedded receivable financing to a tier-1 French bank, reaching beta in just 5 months. With SEPA connectivity through a modern REST API, Defacto can now automate payment flows over its existing bank accounts without building bespoke bank connectivity.
- 0
- months from product scoping to beta launch on Mambu
- 0
- custom bank connectivity overhead thanks to Mambu's REST API
- €0.5+
- billion financed for 25,000+ SMEs across Europe
Defacto
About the customer
Launched in 2021, Defacto is the first ACPR-licensed B2B lending platform in Europe to offer real-time credit decisions.
Built to solve the structural cash flow gap facing small and medium-sized enterprises (SMEs), Defacto provides on-demand working capital financing without paperwork or operational friction.
Defacto offers a versatile product suite, including receivable financing, flex financing, payable financing, and a 100% virtual business credit card, operating directly via getdefacto.com, embedded fintech partnerships (such as Pennylane and Qonto), and white-label Lending-as-a-Service (LaaS) platforms for major financial institutions across France, Germany, and Spain.
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