New : KARMEN Factor, finance your B2B customer invoices in just a few clicks

Business financing, made





Short-term loan

1 to 24 months

48-hour financing

100% online process

Transparent and responsive

0 warranty, 0 hidden costs, flexible reimbursement

Get funded in 2 minutes
2-minute eligibility check
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Discover the future of financing

Our different financing products allow you to release immediate funds to develop the growth of your digital business in a simple, fast and flexible way.

Financing that adapts to your management, not the other way around.

The flexibility of this financing model allows us to support you in all your cash flow challenges

Growth project

Finance your recruitment, acquisition, internationalization and other operations .

Factoring - B2B customer invoice

Cash in on your B2B customers sooner by financing invoices with Karmen.

Working capital financing

Immediate cash for your working capital requirements.

Supplier payment

Pay your suppliers immediately and preserve your cash flow.

Inventory financing

Simply finance your company's inventories , receive the funds within 48 hours and repay according to your sales.
Apply for financing

Marketing budget financing

Finance your acquisition, pay back with the return on investment generated by your campaigns.
Karmen logo advantage


Access your funds in just a few steps with our 100% digitalized solution

Quick logo


A 48-hour response with a financing offer from our credit experts

Flexible logo


Customized financing fully adapted to your company's growth needs

A financing process re-invented

Financing application (2mn)
Apply for financing in just a few clicks, directly from a quick form.
Get a pre-eligibility answer immediately.
Account creation (15mn)
Create your Karmen account, import your bank transactions and billing tools.
Apply for financing directly from your customer area.
Analysis and granting of funds (48h)
Using the data collected, we assess the company's risk and work with you to build the best possible financing offer.
Once the offer has been validated, you receive the funds directly into your bank account.
We have supported over 300 companies like yours.

What our customers say about us

Karmen has been a lifesaver for our WCR and inventory issues.
Full testimonial
Laure, Co-founder - Zeta Shoes
Financed €60k of inventory
Setting up the financing was impressively straightforward.
Full testimonial
Pascal, CFO - Uptale
Financed over €1M with Karmen
The Karmen team listened to our needs.
Full testimonial
Pierre-Emmanuel, Co-founder - Maison Sassy
Financed €230k of inventory with Karmen

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Our latest articles

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Frequently asked questions

What are Karmen's eligibility criteria?

To be eligible for our funding, you must have at least :

- 9 months of commercial activity

- 300 000€ of income over the last 12 months

- Company or entity based in mainland France

What is Karmen?

Karmen is a Fintech redefining access to financing for all French companies.

Karmen enables companies to obtain a loan in 48 hours and in just a few clicks, thanks to a 100% online financing application.

Can I use my Karmen funding as I wish?

Absolutely. You are 100% free to use the growth capital funded by Karmen as you wish.

Is there a fee for applying for funding?

No, the Karmen funding application is free. It only takes a few minutes to register and your funding application can be approved within 48 hours.

Where does my Karmen funding come from?

Karmen recently raised €50 million in debt from Fasanara Capital.

That's why Karmen offers competitive financing terms.

Read our press release for more details.

How does Karmen work?

1. Apply for funding from Karmen.

2. download your documents and connect your tools to the Karmen app.

3. Receive a financing offer in less than 48 hours.

4. Repeat as many times as your growth requires.

How much does a Karmen financing cost?

Unlike banks, Karmen financing operates without interest rates

We take a fixed, transparent commission on the total amount financed.
The commission varies between 3% and 8%, depending on the amount, the repayment period (maximum 24 months) and your company's score.

No warranty, no hidden costs.

With Karmen, you'll always have a clear picture of your financing costs and payment schedule, before you sign anything.