CredibleX vs Defacto
CredibleX
CredibleX empowers businesses to provide their SME customers with instant access to lending solutions
43 employees · est. 2023 · United Arab Emirates
Defacto is the older company (2023 vs 2021); Defacto is the larger of the two.
Side-by-Side Comparison
| Metric | CredibleX | Defacto |
|---|---|---|
| Founded | ||
| Founded | 2023 | 2021 older |
| Headquarters | ||
| Headquarters | United Arab Emirates | Paris, France |
| Employees | ||
| Employees | 43 | 87 larger |
| Industry | ||
| Industry | B2B, Finance, Fintech | B2B, Finance, Fintech |
| Funding Stage | ||
| Funding Stage | Seed | Not tracked yet |
| Total Funding | ||
| Total Funding | $55.00M | $211.00M |
| Funding Rounds | ||
| Funding Rounds | 2 | 5 |
| Services | ||
| Services | Embedded Working Capital Finance, SME Insurance Finance, B2B Channel Finance, POS Finance, Invoice Finance, Digital Application for Loans | Instant Working Capital Access, Flexible Loan Options, Accounts Receivable Financing, Stock Financing, Purchase Order Financing, Supply Chain Financing, Cash Flow Financing, Corporate Credit Card |
| Target Customers | ||
| Target Customers | Small and Medium Enterprises (SMEs), Distribution Partners, Liquidity Partners | Small and Medium Enterprises (SMEs), Banks, E-Invoicing Platforms, B2B Marketplaces, Fintech Partners |
| Taxonomy | ||
| Taxonomy | Embedded FinanceSME LendingAPI IntegrationEcosystem Partner SolutionsCredit LinesInstant Financing +8 | Instant FinancingShort-term FinancingAutomated ScoringCredit InfrastructureAPIInvoice Financing +8 |
| Website | ||
| Website | crediblex.io | getdefacto.com |
About CredibleX
CredibleX, founded in 2023 and headquartered in the United Arab Emirates, is carving a niche in the fintech space as MENA’s first embedded finance platform. This disruptive startup empowers businesses to provide their SME customers with instant access to lending solutions, moving beyond traditional...
About Defacto
Defacto, founded in 2021, has rapidly established itself in the B2B, Finance, Fintech, Payments, and Embedded Systems industries. This France-based company delivers on its slogan of providing "Instant financing for SMEs" by offering short-term financial solutions with automated scoring and instant c...
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Compiled from the BounceWatch company index. We last looked at CredibleX on 5 Dec 2025, and Defacto on 10 Jun 2026. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.
