Defacto

Oh puta*n, Defacto, c’est LE financement qu’il te faut pour payer ton stock !

🤔 Des factures à financer ? On a une solution !

Optimisez votre trésorerie en un rien de temps avec le financement de factures fournisseurs.

On vous explique tout ici 👉 https://www.getdefacto.com/fr/article/financement-de-factures-fournisseurs-fonctionnement-et-exemples-cles

𝐂𝐫𝐞𝐝𝐢𝐭 𝐮𝐧𝐝𝐞𝐫𝐰𝐫𝐢𝐭𝐢𝐧𝐠 has always been the backbone of lending and at Defacto the heart of everything we do 💛

In this deep dive, our cofounder & CTO Marc-Henri Gires and Data Lead Dany Srage reveal how we built one of the first real-time credit decisioning engines.

They don't hold back from the details and share:
🔄 Our evolution from public financial data to real-time transactions
⚙️ Our 5 productized underwriting engines
🙋 Where we see the necessary human checkpoints
🚀 Where they're excited to further better serve SMBs (🙏 )

Give it read, and dont' hesitate to DM us if you want to nerd out on this topic further!

Underwriting at Defacto: Beyond algorithms to transform automated lending Go inside Defacto's its AI-powered, automated underwriting model to discover how it makes lending faster, safer, and personalized to each borrower.

📊 𝐖𝐡𝐚𝐭’𝐬 𝐚 𝐫𝐞𝐚𝐬𝐨𝐧𝐚𝐛𝐥𝐞 𝐩𝐫𝐨𝐟𝐢𝐭 𝐦𝐚𝐫𝐠𝐢𝐧 𝐟𝐨𝐫 𝐲𝐨𝐮𝐫 𝐬𝐦𝐚𝐥𝐥 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬?

Understanding where you stand can make all the difference between staying afloat and growing sustainably.

Explore our guide to finding the right balance ⬇️
https://lnkd.in/e-H3A9Dd

Devinez qui est debout tôt ce matin pour donner une keynote à ? ! ☀️

Il est temps de monter à bord du train de la facturation électronique 🚋

Jordane Giuly expliquera pourquoi cette nouvelle réglementation représente une véritable révolution pour les hashtag (comme Pennylane, Libeo, Cegid et Sage) et l'écosystème de la finance embarquée.

Ne ratez pas cette opportunité de découvrir les enjeux majeurs à venir !

⏳ Le décompte est lancé—𝐢𝐥 𝐫𝐞𝐬𝐭𝐞 𝐝𝐞𝐬 43 𝐣𝐨𝐮𝐫𝐬 𝐩𝐨𝐮𝐫 𝐟𝐢𝐧𝐢𝐫 𝐥'𝐚𝐧𝐧𝐞́𝐞 𝐚̀ 𝐥𝐚 𝐯𝐨𝐥𝐥𝐞́𝐞 ! Ça chauffe en cette fin d'année, non ? 😅

Équipes financières et entrepreneurs, on vous connaît bien—vous êtes à fond dans les budgets, les clôtures, la planification stratégique, tout en veillant à ce que la trésorerie tienne la route.

✅ C'est pourquoi on a préparé pour vous une checklist en 10 étapes pour garder vos finances au top et assurer un fonds de roulement prêt à faire briller 2025 !

https://www.getdefacto.com/fr/article/cloture-annuelle-la-liste-de-controle-des-flux-de-tresorerie-

💶A smooth cash flow cycle can make or break a business. Even with amazing products, happy customers, and strong supplier relationships, just a few late payments or a sudden dip can put you in a tough spot.

Discover the 5 types of working capital financing to find the best fit for keeping your business running strong. 💼📈

Working capital financing: how fast funding answers urgent SMB needs Need extra financing to fund your working capital needs? This article explains how working capital financing works for SMBs.

Boostez la santé financière de votre PME avant de tourner la page sur 2024 !

La fin de l'année est le moment idéal pour prendre le pouls de votre trésorerie. Vous souhaitez améliorer votre visibilité sur la santé financière de votre entreprise ? Découvrez notre nouveau guide : "𝐂𝐨𝐧𝐬𝐭𝐫𝐮𝐢𝐫𝐞 𝐮𝐧 𝐜𝐨𝐜𝐤𝐩𝐢𝐭 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐞𝐫 : 10 𝐜𝐨𝐧𝐬𝐞𝐢𝐥𝐬 𝐝'𝐮𝐧 𝐃𝐀𝐅 𝐞𝐭 𝐝'𝐮𝐧 𝐞𝐱𝐩𝐞𝐫𝐭-𝐜𝐨𝐦𝐩𝐭𝐚𝐛𝐥𝐞 𝐩𝐨𝐮𝐫 𝐩𝐢𝐥𝐨𝐭𝐞𝐫 𝐥𝐚 𝐜𝐫𝐨𝐢𝐬𝐬𝐚𝐧𝐜𝐞 𝐝𝐞 𝐯𝐨𝐭𝐫𝐞 𝐏𝐌𝐄", rédigé par Jean-Baptiste Cousin et Jonathan Khalfa.

✅Optimisez votre trésorerie et BFR pour bien démarrer 2025
✅Mettez en place un reporting clair et impactant
✅Choisissez des outils SaaS pour automatiser votre gestion

Que vous soyez en pleine croissance, ou en transformation digitale, ces stratégies vous offrent un cadre efficace pour piloter votre entreprise avec confiance.

https://www.getdefacto.com/fr/article/cockpit-financier-piloter-croissance-pme

is a vital step in the lending process, but it’s often resource-intensive and time-consuming. Both borrowers and lenders wish it wasn’t.

With Defacto, it’s not.

Our -driven underwriting engine, powered by AI automation, enables real-time document collection, verification & assessment—which means borrowers get:

- Self-service onboarding
- Instant credit decisions
- Instant access to funds
- A better lending experience

Learn more about how our automated underwriting helps us serve more SMEs, both directly and through our embedded lending partners.

https://www.getdefacto.com/article/automated-underwriting

E-invoicing is no longer optional—it's a regulatory milestone, with 90% of French businesses already on board (France Num) 🙌

Brazil's Nota Fiscal Eletrônica (NF-e) has set the global standard, and now most of Europe is in full go-mode, on track to require all businesses to accept and issue electronic invoices by 2027.

So this means whether you're a hashtag , hashtag , or hashtag — now's the time to get your toolstack in order.

At Defacto , we've partnered with forward-thinking fintech platforms like Pennylane, Qonto and Libeo who have already embedded invoice payments in their platform.

👉 We also have a handy guide that covers how, when and, why you should embrace e-invoicing:

E-invoicing & e-reporting in France: a guide for SMEs, fintech & banks Stay up to date on the latest e-invoicing regulation in France to prepare for the 2026 rollout, and discover the role of banks, fintech and SMEs in this digital transformation.

☁️ Peace of mind for SMBs is our ultimate goal, and we're thrilled that AML Factory has achieved just that with Defacto!

"Defacto literally saved our bacon," 🥓 says Mathieu Rosey, COO.

Discover how AML Factory, a leading anti-money laundering service provider, uses our flexible financing solutions to navigate rapid growth with confidence.

https://www.getdefacto.com/article/aml-factory-peace-of-mind