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 25 more developer resources.

🌐 Visit website 📡 Source on GitHub

54.7/100 developing ▬ flat Agent 80/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessSelf serve

18 APIs 1 MCP Servers

CompanyFintechEmbedded FinanceLendingWorking CapitalInvoice FinancingCreditB2B PaymentsSMBFranceEurope

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 54.7/100 · developing

Contract Quality 16.1 / 25

Developer Ergonomics 14.8 / 20

Commercial Clarity 10.0 / 20

Operational Transparency 3.8 / 13

Governance 0.0 / 12

Discoverability 10.0 / 10

Agent readiness — 80/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 15 / 15

MCP Server 12 / 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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

APIs 18

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

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

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

MCPServer

AgentSkill

AgentSkill

AgenticAccess

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

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

Authentication

TrustCenter

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 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

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
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
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
  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: 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: MCPServer
  url: mcp/defacto-mcp.yml
- 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