About Defacto
Defacto is a company based in Paris (France) founded in 2021 by Morgan O hana, Jordane Giuly, and Marc Henri Gires. Defacto has raised $49.07 million across 6 funding rounds from investors including Citi, Citi and Blast Club. Defacto offers products and services including Defacto Direct, Defacto Connect, and Defacto Core. Defacto operates in a competitive market with competitors including Cloud Lending, Linedata, Alfa Systems, Mipise and Bankish, among others.
- Headquarter Paris, France
- Founders Morgan O hana, Jordane Giuly, Marc Henri Gires
- SectorsFinancial Services
- Website category Business and Consumer Services · Business Services
- Email••••••••
- Website getdefacto.com
- Social LinkedIn YouTube
- Total Equity Funding$49.07M (USD)
in 6 rounds
- Latest Funding Round$18.91M (USD), Series B
Sep 2025
- InvestorsCiti
& 14 more
Products & Services of Defacto
Defacto offers a comprehensive portfolio of products and services, including Defacto Direct, Defacto Connect, and Defacto Core.
Instant working capital access for business restocking and cash flow.
Embedded lending solutions for partners to offer capital seamlessly.
AI-driven credit system for banks and factors.
Apps and channels of Defacto
its YouTube channel Defacto has 52 subscribers and 30 videos.
Videos from Defacto
The most watched videos on Defacto's YouTube channel, Defacto (52 subscribers). Click a video to play it here.
More on Defacto .
Funding Insights of Defacto
Defacto has successfully raised a total of $49.07M across 6 strategic funding rounds. The most recent funding activity was a Series B round of $18.91 million completed in September 2025. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $49.07M
- Total Rounds 6
- Last Round Series B — $18.91M
- First Round $3.4M
(Nov 2021)
- Investors Count 15
All 6 funding rounds of Defacto with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Sep 2025 | $18.91M | Series B | – | – | |
| Nov 2023 | $10.69M | Series A | – | Citi Ventures | |
| Jul 2023 | $184.89M | Debt – Conventional | – | – | |
| Jun 2022 | $16.07M | Series A | – | Northzone | |
| Nov 2021 | $3.4M | Seed | – | Global Founders Capital, Headline | |
| Nov 2021 | $3.4M | Debt – Conventional | – | – | – |
15 investors in total: 9 institutional and 6 angel.
Investors in Defacto
Defacto has secured backing from 15 investors, including venture fund, institutional, and angel investors. Prominent investors backing the company include Citi, Citi and Blast Club.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Corporate venture capital firm backed by Citi | – | citi.com/ventures | San Francisco, United States | |
Early-stage startups are funded by Northzone venture capital. | – | northzone.com | London, United Kingdom | |
Investments are made in early-stage tech startups across multiple sectors. | – | headline.com | San Francisco, United States | |
Venture capital firm focused on early-stage startups | – | globalfounderscapital.com | Berlin, Germany | |
Investments are made in early-stage technology companies globally. | – | viola-group.com | Herzliya, Israel | |
Growth-stage tech companies are invested in by La Maison Partners. | – | lamaisonpartners.fr | Paris, France | |
Commercial banking and financial services are provided globally. | 1812 | citi.com | New York, United States | |
Investments in startups are enabled via a dedicated fundraising platform. | 2022 | blast.club | Paris, France | |
Diversified financial services are offered through commercial banking operations. | 1812 | citigroup.com | New York, United States | |
RA Rodolphe Ardant | Founder of Spendesk, active angel investor in Indian startups | – | unknown_45d15c7cfb534e0ca | - |
Investor details for Defacto
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
- Investor portfolios
- Co-investor network
Verified entity values are shown only after access is granted.
People of Defacto
10 people are tracked at Defacto (4 in leadership, 6 in team).
| Name | Role | Group |
|---|---|---|
Morgan O hana | Co-Founder | Leadership |
Jordane Giuly | Co-Founder | Leadership |
Marc Henri Gires | Co-Founder | Leadership |
David Gautard | Head Of Operations | Leadership |
Mathieu Galvani | Revenue lead | Team |
Christina Bassinet-Cooper | Customer Experience | Team |
Angel Salas-España | Finance and Operations Manager | Team |
Charlotte Gounot | Directrice Générale Déléguée | Team |
Charles Ruelle | Investor | Team |
Daniel Sabin | Senior Software Engineering | Team |
Complete people profiles for Defacto
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
Timeline of Defacto
3 dated milestones of Defacto across 4 years, from founding to its latest funding, stage changes and deals.
- Founded Defacto is founded.
- Funding First funding round of $3.4M.
- Funding Latest funding round, Series B, of $18.9M.
Competitors of Defacto
Defacto operates in a dynamic and competitive business environment, facing competition from various established players and emerging companies in the market. The competitive landscape includes prominent companies such as Cloud Lending, Linedata, Alfa Systems, Mipise and Bankish, among others.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| cloudlendinginc.com | 2013 | Foster, United States | $16.15M | 148 | A cloud-based lending platform is provided for financial institutions. | |
| linedata.com | 1998 | – | – | 157 | Software, data, analytics, and services are provided to financial institutions. | |
| alfasystems.com | 1990 | Sydney, Australia | – | 111 | Cloud-based loan life cycle management for asset finance is offered. | |
| mipise.com | 2014 | – | $10.52M | – | Online platform for crowdfunding and asset management solutions is offered. | |
| bankish.eu | 2017 | Tallinn, Estonia | $1.37M | 1 | Lending and deposit systems are offered for loan providers. | |
| aqaix.com | 2017 | San Francisco, United States | – | – | Water financing is enabled via cloud-based lending platform. | |
| lendwize.io | 2016 | Paris, France | – | – | Operates a digital lending platform for streamlined borrowing and lending. |
Detailed competitors of Defacto
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
- Benchmarks
- Competitive positioning
Verified entity values are shown only after access is granted.
Web traffic of Defacto
The website of Defacto (getdefacto.com) receives about 53.7K visits a month and ranks #653,565 among all websites worldwide, #5,209 in Business Services.
- Monthly visits53.7K
▲ 10.5% vs previous month
- Unique visitors21.6K
per month
- Global rank#653,565
among all websites
- Category rank#5,209
Business and Consumer Services · Business Services
- Bounce rate41%
- Pages per visit2.2
- Average visit59 sec
- DevicesDesktop 40% · Mobile 60%
Websites whose visitors overlap most with Defacto. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| denim.com | 100% | 42.9K | #764,556 | View details | |
| fygr.io | 93% | 42.2K | #756,207 | View details | |
| fintecture.com | 86% | 294.2K | #192,866 | View details | |
| karmen.io | 86% | 23.5K | #1,165,327 | View details | |
| thebusinessplanshop.com | 86% | – | #559,443 | View details | |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
All 15 similar websites and full traffic analytics for Defacto
The complete similar-websites list, audience overlap and engagement analytics require an active premium plan.
- 15 similar websites
- Audience overlap
- Engagement analytics
- Traffic by brand
Verified entity values are shown only after access is granted.
Latest news on Defacto
Complete news archive for Defacto
Full article history, source details, and older brand coverage require an active premium plan.
- Full article archive
- Source and publication date
- Older coverage
- Brand-specific news history
Verified entity values are shown only after access is granted.
Similar companies to Defacto
10 companies that operate in the same segment as Defacto (Alternative Lending), ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
A peer-to-peer marketplace for business loans is operated and developed. | 2010 | London, England, United Kingdom | USD 372.67 M | USD 299.61 M | 726 | |
Diversified loans are provided via an AI-enabled online marketplace. | 2012 | Palo Alto, California, United States | USD 128.65 M | USD 1.04 B | 1,190 | |
Various consumer loans and financial services are offered online. | 2011 | San Francisco, California, United States | USD 3.04 B | USD 4.77 B | 5,000 | |
Purchase financing solutions are offered to businesses via installment payments. | 2019 | Dubai, Dubai, United Arab Emirates | USD 837 M | – | – | |
Financial services are provided, specializing in personal and business loans. | 2016 | Mumbai, Maharashtra, India | USD 349.23 M | USD 106.45 M | 1,749 | |
Credit score checking and comparison platform for financial products | 2007 | San Francisco, California, United States | USD 869.77 M | – | – | |
Financial benefits platform for on-demand pay is provided to employees. | 2018 | London, England, United Kingdom | USD 133.02 M | – | – | |
Payflow is recognized as a financial wellness application for employees. | 2020 | Alcobendas, Comunidad De Madrid, Spain | USD 58.23 M | – | – | |
Digital lending and instant credit lines are provided to individuals. | 2016 | Gurugram, Haryana, India | USD 115 M | USD 18.69 M | 81 | |
Personal loans and lines of credit are provided by Mogo. | 2008 | Vancouver, British Columbia, Canada | – | USD 49.45 M | – |
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Frequently Asked Questions about Defacto
Defacto was founded in 2021.
Defacto is headquartered in Paris, France.
Defacto is a funded company, having raised a total of $49.07M across 6 funding rounds to date. The company's 1st funding round was a Seed of $3.4M, raised on Nov 2021.
Defacto was founded in 2021 in Paris, France, within the fintech sector focused on invoice financing. Unpaid invoices are utilized by businesses to secure funding through the platform, where selections are made based on required amounts. Integration with accounting and ERP software is supported, and approved funds are transferred directly to registered bank accounts. Operations emphasize streamlined access to capital for enterprises.
Defacto's top competitors include Cloud Lending, Linedata and Alfa Systems.
Defacto offers Defacto Direct, Defacto Connect, and Defacto Core.
Defacto has 15 investors. Key investors include Citi, Citi, Blast Club, Citi Ventures, and Northzone.