Turn your monthly subscriptions
into upfront cash.

Karmen gives you instant growth capital
to grow your business, on your terms.
Get FundedBook a 15mn call

We're democratizing access to
non-dilutive capital

Ditch dilution and skip the pitch, we're the fairer, faster way to grow your company.
No equity dilution
No personal guarantee
Apply and close in days
Deal terms
Process
Time to cash in

Debt

All limited links
Own analytics platform
Own analytics platform
High compounding interest
Optimize hashtags
Loads of documentation
Optimize hashtags
2-6 months

Karmen

All limited links
Own analytics platform
Chat support
Optimize hashtags
Flat fee paid as you earn
Optimize hashtags
Easily connect your data
Optimize hashtags
< 48 hours
Get funding

Venture Capital

All limited links
Own analytics platform
Chat support
Optimize hashtags
Dilution/Liquidity preference
Optimize hashtags
Pitch and documentation
Optimize hashtags
2-6 months

We're democratizing access to
non-dilutive capital

Ditch dilution and skip the pitch, we're the fairer, faster way to grow your company.
No equity dilution
No personal guarantee
Apply and close in days
Deal terms
Process
Time to cash in

Karmen

No equity dilution
No personal guarantee
Apply and close in days
Flat fee paid as you earn
Instantly connect your data
Funds in the bank < 48 hours
Get funding

FOR COMPANIES WITH RECURRING REVENUE

Don't wait for your client's cash month by month.
With Karmen, get that cash upfront.

Companies use our solution to capitalise on the untapped value of their client subscriptions, dilution free.

Cash < 48 hours
‍‍

Speed. Money in your bank account within 48 hours.
‍

Dilution free
‍

Control. Don't sacrifice ownership. Keep control of your company and grow on your terms.

Connected data
‍‍

Automation. Karmen pulls real-time data through APIs so you don't have to.

Seamlessly integrated.

Karmen works effortlessly with your existing tools. No extra work for your team.

BLOG & CASE STUDIES

Our Latest News & Updates

MARKETING

Why will webflow dominate the web in 2020.

Lorem Ipsum is simply dummy text of the printing and typesetting industry.

Learn More
DESIGN

How to craft a perfect marketing campaign.

Lorem Ipsum is simply dummy text of the printing and typesetting industry.

Learn More
BUSINESS

Learn how to get started with Webflow.

Lorem Ipsum is simply dummy text of the printing and typesetting industry.

Learn More

A simple, transparent way
to grow your business, on your terms.

Get FundedBook a 15mn demo

Growth capital by entrepreneurs,
for entrepreneurs.

Testimonial Image

"Using Karmen, we converted 50+ customer subscriptions into annual cash upfront. By converting our MRR into upfront ARR, we were able to receive €100k to test out a new acquisition channel and onboard a customer support team."

Charles Foucault

Beta Tester
Testimonial Image

"Karmen is the tool every bootstrapped founder has been waiting for. It allows SaaS companies to grow without dilution by financing their client subscriptions."

Emma Caron

Beta Tester

Let's know our team!

Sébastien Lubineau

Co-founder & CTO

Gabriel Thierry

Co-founder & CEO

Baptiste Wiel

Co-founder & COO

FAQ

What is Karmen?

Karmen is a two-sided marketplace connecting:
◼︎ companies that have monthly or quarterly recurring revenue
◼︎ with investors who purchase these revenues for their annual value, upfront.

Karmen is the new way to finance your growth without dilution or debt.

How does Karmen work?

You apply for funding with Karmen.
‍
We integrate with APIs to analyze your revenues and third party data. We give you a unique offer to competitively trade in your subscriptions upfront.
‍
You use the funding to grow, however you want. You pay back the original funding as a percentage of your sales over time. Repeat as you grow.

You don’t give up any stake in your business and, unlike a loan, your total repayment is capped from the start.

What happens if a contract churns?

If a customer churns before the 12 month period, you have two options: you can rebate the capital you received upfront on a prorated basis for the churned period with no penalty or fees. Or, you can swap another contract to cover the rebate of the churned customer. You can see the exact payment schedule in real-time via your Karmen dashboard.

Do I need to communicate to my customers that we’re using Karmen?

No. Karmen doesn’t disrupt the billing workflow or interfere with customer relationships. You continue to collect payments from your customers as normal, then they’re automatically sent to Karmen each month and we pass them onto the investor that purchased your subscriptions. Your customers don’t even know we exist.

Does it cost anything to sign up?

No, there is absolute zero cost to join Karmen. Sign up takes a couple of minutes and you can get approved for funding within 48 hours.

Frequently Asked Questions

How to transaction fees work?

MemberStack charges a flat transaction fee of 10% on the Startup plan and 3% on the Pro plan, and 1% on the Scale plan. Stripe charges an additional credit card processing fee that depends on a few different factors. See Stripe's pricing for more details.

What can I protect with MemberStack?

We’re working on a content management system that would make it possible to store anything securely on any website. Although, it’ll be a few months before something like this is ready (01/2019). Until then, MemberStack protects pages and content on those pages using redirects. They can't be "turned off" from a browser, but there are ways to access the HTML of a page if you know what you're looking for, and what you're doing. Therefor, we don't recommend using MemberStack to protect highly sensitive information.

Who should apply for the Startup Plan?

Pre-revenue companies, students, and other folks who can't (yet) afford the $25/mo fee. We've been there, so we're happy to work with you. 

Warning! Not everyone is accepted into our Startup plan.

How do I get the money I earn through MemberStack?

Stripe! A stripe account is required to use MemberStack and receive payouts. Money you earn will be transferred directly into your bank account.

Do you have a free trial?

We sure do! Test MemberStack for as long as you need without entering your credit card. While you're in a free trial you're unable to invite more than 1 client or staff,  connect a stripe account, and allow more than 5 users to sign up for a free membership.

Do you offer discounts for students or nonprofits?

We do not offer any discounts for students or nonprofits at this time. However, We do offer a 10% recurring discount to any websites that include our logo and link on sign up and login pages. You're also welcome to apply to our Startup program if you're unable to afford the $25/mo plan.

Is there someone I can talk to about my project?

Absolutely! You can reach us via he chat widget in the bottom right corner, or by email. Try team@memberstack.io. We're happy to help!

Does MemberStack have an API?

We sure do! Please contact engineering@memberstack.io for more information.

They
support us

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