# Defacto Reviews
**Vendor:** Defacto  
**Category:** [Loan Origination Software](https://www.g2.com/categories/loan-origination)
## About Defacto
Defacto is an API-first B2B lending platform that offers fast, flexible financing to SMBs and white-labeled embedded financing to fintech partners and financial institutions. Defacto is trusted by 10,000+ SMBs and 40+ embedded partners for being: - Fast:  Eligibility in under 27 seconds - Flexible: Pay on your terms - Transparent: Standard, fair pricing






- [View Defacto pricing details and edition comparison](https://www.g2.com/products/defacto-defacto/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-22+01%3A38%3A37+-0500&secure%5Bsession_id%5D=34bf766d-c02b-40d3-95d4-53c3b7326d46&secure%5Btoken%5D=ecb907ad33aab58303be6f23b83965eb34d96d65c6b9ecc8789ffa808fac7557&format=llm_user)

## Defacto Features
**Agentic AI - Loan Origination**
- Autonomous Task Execution
- Multi-step Planning
- Cross-system Integration
- Adaptive Learning
- Proactive Assistance
- Decision Making

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