Defacto offers embedded short-term financing solutions for small and medium-sized businesses (SMBs), integrating lending directly into platforms without additional paperwork. Their services include instant credit decisions, AI-native servicing, and flexible payment terms. The target audience is SMBs seeking efficient access to capital. The unique selling proposition is the ability to provide financing in seconds, with no hidden fees, making it ideal for businesses needing quick cash flow management. This approach maximizes profits and retention for lenders while empowering SMBs to grow rapidly.