# Defacto

**Canonical:** https://apis.io/providers/defacto/  
**Website:** https://www.getdefacto.com  
**APIs profiled:** 18

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).

## Kin Score — 52.5 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 52.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 66.4 |
| Governance | 20.8 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 62.5 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 44.4 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (18)

- **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.

## MCP servers (1)

- **defacto-mcp.yml**

## Agentic access (1)

- **Defacto Agentic Access** — 77 operations · 41 acting

## Security (3)

- **Defacto Authentication** — apiKey · 1 scheme
- **Defacto Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Defacto Trust Center** — ISO 27001:2022, GDPR, PSD2, ACPR authorization

## Tags

Company, Fintech, Embedded Finance, Lending, Working Capital, Invoice Financing, Credit, B2B Payments, SMB, France, Europe

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/defacto/). Scores are computed from the provider's own public artifacts under a published rubric.