Short-term loan
1 to 24 months
48-hour financing
100% online process
0 processing fee
Transparent offer without warranty
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Finally, a financing alternative that is truly tailored to the needs of businesses in 2026.
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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.
The flexibility of this financing model allows us to support you in all your cash flow challenges
Simple and fast financing that adapts to your company's sales cycle.
Order your inventory and pay your suppliers without dipping into your cash flow.
Cash to invest in your growth without delay.
Create a reserve and always be prepared for the unexpected.
Turn your customer invoices into immediate cash flow, without assignment or guarantees.
Long payment terms? Karmen finances all your invoices
Access your funds in just a few steps with our 100% digitalized solution
A 48-hour response with a financing offer from our credit experts
Tailor-made financing to meet working capital and growth needs
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Apply for financing in 3 clicks and receive immediate pre-eligibility
2mn
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Create your Karmen account and transmit your accounting and banking information.
8mn
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Once the offer has been validated, you receive the funds directly into your bank account.
48h
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.
To be eligible for Karmen financing, you must have at least :
- Company based in mainland France
- Company tenure > 1 year
- Last 12 months'sales > €300,000
- Positive shareholders' equity on the liabilities side of the last balance sheet
Absolutely. You are 100% free to use the capital financed by Karmen as you wish.
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.
Karmen recently raised 100 million euros in debt from Fasanara Capital.
That's why Karmen offers competitive financing terms.
Read our press release for more details.
1. Apply for funding from Karmen.
2. Transmit your banking and accounting information to the Karmen platform.
3. Receive a financing offer in less than 48 hours.
4. Repeat as many times as your growth requires.
The cost of Karmen financing depends on the company's risk profile.
This is an overall cost on the amount financed. It varies between 0.9% and 1.2% per month, depending on the repayment period.
There are no hidden fees and we do not require a deposit.
