Defacto is a Paris-based fintech enabling fast, flexible access to working capital for SMEs. Using advanced risk models and a fully automated, API-first lending platform, Defacto delivers financing decisions in under 30 seconds and disburses funds in less than 48 hours — a sharp contrast to traditional lenders. By embedding directly into partner platforms, Defacto provides seamless access to credit where businesses already operate.

Defacto is led by Jordane Giuly, Morgan O’Hana, and Marc-Henri Gires. The team also includes Bain alumnae David Gautard ('15-'21) as Head of Operations.