Defacto Launches White-Label Lending-as-a-Service Platform for Banks

Defacto announced the launch of Defacto Core, a white-label Lending-as-a-Service (LaaS) platform designed for banks and lenders looking to serve small and medium-sized businesses. The platform is fully customizable, allowing partners to offer branded SMB lending products without building proprietary lending infrastructure. A key differentiator is Defacto's French ACPR (Autorité de Contrôle Prudentiel et de Résolution) financing license, which provides a regulated foundation for partnerships and reduces compliance complexity for partner institutions.

The product targets financial institutions seeking to expand their SMB lending offerings quickly and compliantly. Specific financial terms and partner names were not disclosed at launch. Defacto Core positions the company within the growing European embedded lending segment, where demand for turnkey, licensed lending solutions is increasing as banks seek to modernize SMB credit products.