Defacto website screenshot

Defacto

Defacto is an ACPR-authorized French fintech providing instant, embedded financing for small and medium-sized businesses across Europe. Through a single REST API, partners (marketplaces, neobanks, B2B SaaS, e-invoicing platforms) can onboard borrowers, test eligibility and credit limits, share business and bank-transaction data, create invoices, request and manage loans, handle repayments and recollection, issue credit cards, bill fees, and subscribe to webhooks. Defacto has powered over EUR 1B in financing for 12K+ SMBs through 15+ partners, with products spanning receivables, payables, pay-later, cash-in-now, and wallet financing. This profile was enriched by the API Evangelist pipeline from Defacto's public developer portal (developers.getdefacto.com).

Defacto publishes 18 APIs on the APIs.io network, including Accounting API, Billing API, Business and accounts API, and 15 more. Tagged areas include Company, Fintech, Embedded Finance, Lending, and Working Capital.

The Defacto catalog on APIs.io includes 2 event-driven AsyncAPI specifications.

Defacto’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, signup flow, authentication, and 26 more developer resources.

🌐 Visit website 📡 Source on GitHub
48.0/100 developing ▬ flat Agent 33/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
1 APIs
CompanyFintechEmbedded FinanceLendingWorking CapitalInvoice FinancingCreditB2B PaymentsSMBFranceEurope

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 48.0/100 · developing
Contract Quality 11.4 / 19
Developer Ergonomics 7.1 / 15
Access Clarity 6.5 / 15
Operational Transparency 2.6 / 10
Contract Governance 1.6 / 9
Discoverability 5.7 / 8
Regulatory Posture 7.0 / 15
Create-or-Update Ergonomics 0.0 / 10
Agent readiness — 33/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
Documented Reversibility 6 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/defacto: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 18

Individual APIs this provider publishes, each with its own machine-readable definition.

Defacto Accounting API

The Accounting API from Defacto — 1 operation(s) for accounting.

Defacto Billing API

The Billing API from Defacto — 4 operation(s) for billing.

Defacto Business and accounts API

The Business and accounts API from Defacto — 1 operation(s) for business and accounts.

Defacto Counterparty API

The Counterparty API from Defacto — 2 operation(s) for counterparty.

Defacto Credit card API

The Credit card API from Defacto — 6 operation(s) for credit card.

Defacto Eligibility and credit limit API

The Eligibility and credit limit API from Defacto — 6 operation(s) for eligibility and credit limit.

Defacto Financial product API

The Financial product API from Defacto — 1 operation(s) for financial product.

Defacto Invoice API

The Invoice API from Defacto — 4 operation(s) for invoice.

Defacto Loan API

The Loan API from Defacto — 7 operation(s) for loan.

Defacto Onboarding API

The Onboarding API from Defacto — 9 operation(s) for onboarding.

Defacto Payment API

The Payment API from Defacto — 3 operation(s) for payment.

Defacto Recollection API

The Recollection API from Defacto — 5 operation(s) for recollection.

Defacto Repay API

The Repay API from Defacto — 1 operation(s) for repay.

Defacto Sharing business data API

The Sharing business data API from Defacto — 5 operation(s) for sharing business data.

Defacto Subscription API

The Subscription API from Defacto — 1 operation(s) for subscription.

Defacto Testing API

The Testing API from Defacto — 5 operation(s) for testing.

Defacto Translation API

The Translation API from Defacto — 2 operation(s) for translation.

Defacto Webhook API

The Webhook API from Defacto — 2 operation(s) for webhook.

Scroll for all 18

Open Collections 19

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Defacto Accounting API

OPEN COLLECTION

Defacto Accounting Billing API

OPEN COLLECTION

Defacto Accounting Business and accounts API

OPEN COLLECTION

Defacto Accounting Counterparty API

OPEN COLLECTION

Defacto Accounting Credit card API

OPEN COLLECTION

Defacto Accounting Eligibility and credit limit API

OPEN COLLECTION

Defacto Accounting Financial product API

OPEN COLLECTION

Defacto Accounting Invoice API

OPEN COLLECTION

Defacto Accounting Loan API

OPEN COLLECTION

Defacto Accounting Onboarding API

OPEN COLLECTION

Defacto Accounting Payment API

OPEN COLLECTION

Defacto Accounting Recollection API

OPEN COLLECTION

Defacto Accounting Repay API

OPEN COLLECTION

Defacto Accounting Sharing business data API

OPEN COLLECTION

Defacto Accounting Subscription API

OPEN COLLECTION

Defacto Accounting Testing API

OPEN COLLECTION

Defacto Accounting Translation API

OPEN COLLECTION

Defacto Accounting Webhook API

OPEN COLLECTION

Scroll for all 19

Event Specifications 2

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Defacto Webhooks

Event surface for the Defacto API. Defacto POSTs a JSON notification to the URL registered on a webhook subscription (POST /webhooks). Generated by API Evangelist from Defacto's...

ASYNCAPI

Defacto Webhooks

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Defacto Authentication

apiKey · 1 scheme

SECURITY

Defacto Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Defacto Trust Center

ISO 27001:2022, GDPR, PSD2, ACPR authorization

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Defacto Agentic Access

77 operations · 41 acting

77 operations · 41 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 SignUp
SignUp
 Login
Login
 Sandbox
Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 AsyncAPI
AsyncAPI

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 X-MCPServerCandidate
X-MCPServerCandidate
 AgentSkill
AgentSkill
 AgentSkill
AgentSkill
 AgenticAccess
AgenticAccess

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 DataModel
DataModel
 Webhooks
Webhooks

Scroll for all 7

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

Compliance
Compliance
 Authentication
Authentication
 TrustCenter
TrustCenter
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Blog
Blog
 Website
Website

Other 2

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap
 Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: defacto
name: Defacto
description: Defacto is an ACPR-authorized French fintech providing instant, embedded financing for small and medium-sized
  businesses across Europe. Through a single REST API, partners (marketplaces, neobanks, B2B SaaS, e-invoicing platforms)
  can onboard borrowers, test eligibility and credit limits, share business and bank-transaction data, create invoices, request
  and manage loans, handle repayments and recollection, issue credit cards, bill fees, and subscribe to webhooks. Defacto
  has powered over EUR 1B in financing for 12K+ SMBs through 15+ partners, with products spanning receivables, payables, pay-later,
  cash-in-now, and wallet financing. This profile was enriched by the API Evangelist pipeline from Defacto's public developer
  portal (developers.getdefacto.com).
url: https://raw.githubusercontent.com/api-evangelist/defacto/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- northzone
x-tier: enriched
x-tier-reason: portfolio-lead-enriched
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://cdn.prod.website-files.com/65186d27d0dcf0d8e7a48388/667d3748056d46d4dca39dfc_defacto-opengraph-en.jpg
tags:
- Company
- Fintech
- Embedded Finance
- Lending
- Working Capital
- Invoice Financing
- Credit
- B2B Payments
- SMB
- France
- Europe
apis:
- aid: defacto:defacto-accounting-api
  name: Defacto Accounting API
  description: The Accounting API from Defacto — 1 operation(s) for accounting.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Accounting
  properties:
  - type: OpenAPI
    url: openapi/defacto-accounting-api-openapi.yml
- aid: defacto:defacto-billing-api
  name: Defacto Billing API
  description: The Billing API from Defacto — 4 operation(s) for billing.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Billing
  properties:
  - type: OpenAPI
    url: openapi/defacto-billing-api-openapi.yml
- aid: defacto:defacto-business-and-accounts-api
  name: Defacto Business and accounts API
  description: The Business and accounts API from Defacto — 1 operation(s) for business and accounts.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Business and accounts
  properties:
  - type: OpenAPI
    url: openapi/defacto-business-and-accounts-api-openapi.yml
- aid: defacto:defacto-counterparty-api
  name: Defacto Counterparty API
  description: The Counterparty API from Defacto — 2 operation(s) for counterparty.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Counterparty
  properties:
  - type: OpenAPI
    url: openapi/defacto-counterparty-api-openapi.yml
- aid: defacto:defacto-credit-card-api
  name: Defacto Credit card API
  description: The Credit card API from Defacto — 6 operation(s) for credit card.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Credit Card
  tags_raw:
  - Credit card
  properties:
  - type: OpenAPI
    url: openapi/defacto-credit-card-api-openapi.yml
- aid: defacto:defacto-eligibility-and-credit-limit-api
  name: Defacto Eligibility and credit limit API
  description: The Eligibility and credit limit API from Defacto — 6 operation(s) for eligibility and credit limit.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Eligibility and credit limit
  properties:
  - type: OpenAPI
    url: openapi/defacto-eligibility-and-credit-limit-api-openapi.yml
- aid: defacto:defacto-financial-product-api
  name: Defacto Financial product API
  description: The Financial product API from Defacto — 1 operation(s) for financial product.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Financial product
  properties:
  - type: OpenAPI
    url: openapi/defacto-financial-product-api-openapi.yml
- aid: defacto:defacto-invoice-api
  name: Defacto Invoice API
  description: The Invoice API from Defacto — 4 operation(s) for invoice.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Invoice
  properties:
  - type: OpenAPI
    url: openapi/defacto-invoice-api-openapi.yml
- aid: defacto:defacto-loan-api
  name: Defacto Loan API
  description: The Loan API from Defacto — 7 operation(s) for loan.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Loan
  properties:
  - type: OpenAPI
    url: openapi/defacto-loan-api-openapi.yml
- aid: defacto:defacto-onboarding-api
  name: Defacto Onboarding API
  description: The Onboarding API from Defacto — 9 operation(s) for onboarding.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Onboarding
  properties:
  - type: OpenAPI
    url: openapi/defacto-onboarding-api-openapi.yml
- aid: defacto:defacto-payment-api
  name: Defacto Payment API
  description: The Payment API from Defacto — 3 operation(s) for payment.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Payment
  properties:
  - type: OpenAPI
    url: openapi/defacto-payment-api-openapi.yml
- aid: defacto:defacto-recollection-api
  name: Defacto Recollection API
  description: The Recollection API from Defacto — 5 operation(s) for recollection.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Recollection
  properties:
  - type: OpenAPI
    url: openapi/defacto-recollection-api-openapi.yml
- aid: defacto:defacto-repay-api
  name: Defacto Repay API
  description: The Repay API from Defacto — 1 operation(s) for repay.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Repay
  properties:
  - type: OpenAPI
    url: openapi/defacto-repay-api-openapi.yml
- aid: defacto:defacto-sharing-business-data-api
  name: Defacto Sharing business data API
  description: The Sharing business data API from Defacto — 5 operation(s) for sharing business data.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Sharing business data
  properties:
  - type: OpenAPI
    url: openapi/defacto-sharing-business-data-api-openapi.yml
- aid: defacto:defacto-subscription-api
  name: Defacto Subscription API
  description: The Subscription API from Defacto — 1 operation(s) for subscription.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Subscription
  properties:
  - type: OpenAPI
    url: openapi/defacto-subscription-api-openapi.yml
- aid: defacto:defacto-testing-api
  name: Defacto Testing API
  description: The Testing API from Defacto — 5 operation(s) for testing.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Testing
  properties:
  - type: OpenAPI
    url: openapi/defacto-testing-api-openapi.yml
- aid: defacto:defacto-translation-api
  name: Defacto Translation API
  description: The Translation API from Defacto — 2 operation(s) for translation.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Translation
  properties:
  - type: OpenAPI
    url: openapi/defacto-translation-api-openapi.yml
- aid: defacto:defacto-webhook-api
  name: Defacto Webhook API
  description: The Webhook API from Defacto — 2 operation(s) for webhook.
  humanURL: https://developers.getdefacto.com/
  baseURL: https://api.getdefacto.com
  tags:
  - Webhook
  properties:
  - type: OpenAPI
    url: openapi/defacto-webhook-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/defacto-capability-edges.yml
  name: Defacto Business Capability Map
- type: DeveloperPortal
  url: https://developers.getdefacto.com/
- type: Documentation
  url: https://developers.getdefacto.com/
- type: APIReference
  url: https://developers.getdefacto.com/reference
- type: GettingStarted
  url: https://developers.getdefacto.com/reference/make-your-first-loan
- type: Support
  url: https://help.getdefacto.com/fr/
- type: Blog
  url: https://www.getdefacto.com/blog
- type: SignUp
  url: https://app.getdefacto.com/onboarding/select-country
- type: Login
  url: https://app.getdefacto.com/authentication
- type: TermsOfService
  url: https://www.getdefacto.com/legal-mentions
- type: PrivacyPolicy
  url: https://www.getdefacto.com/privacy-policy
- type: StatusPage
  url: https://status.getdefacto.com
- type: GitHubOrganization
  url: https://github.com/d3facto
- type: Compliance
  url: https://www.getdefacto.com/security
- type: LLMsTxt
  url: llms/defacto-llms.txt
- type: Authentication
  url: authentication/defacto-authentication.yml
- type: Conventions
  url: conventions/defacto-conventions.yml
- type: Idempotency
  url: conventions/defacto-conventions.yml
- type: ErrorCatalog
  url: errors/defacto-problem-types.yml
- type: Lifecycle
  url: lifecycle/defacto-lifecycle.yml
- type: Sandbox
  url: sandbox/defacto-sandbox.yml
- type: Conformance
  url: conformance/defacto-conformance.yml
- type: DataModel
  url: data-model/defacto-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/defacto-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: Overlay
  url: overlays/defacto-overlay.yaml
- type: AsyncAPI
  url: asyncapi/defacto-webhooks-asyncapi.yml
- type: Webhooks
  url: asyncapi/defacto-webhooks.yml
- type: AgentSkill
  url: skills/defacto-finance-an-invoice.md
- type: AgentSkill
  url: skills/defacto-subscribe-to-webhooks.md
- type: AgenticAccess
  url: agentic-access/defacto-agentic-access.yml
- type: TrustCenter
  url: security/defacto-trust-center.yml
- type: DomainSecurity
  url: security/defacto-domain-security.yml
- type: Website
  url: https://www.getdefacto.com
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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