To be eligible for Karmen financing, you must have at least :

- Company based in mainland France

- Company seniority > 2 years

- Last 12 months'sales > €300,000

- Positive shareholders' equity on the liabilities side of the last balance sheet‍

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.

Absolutely. You are 100% free to use the growth capital funded 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.

Unlike banks, Karmen financing operates without interest rates. 

We take a fixed, transparent commission on the total amount financed.
The commission varies between 0.9% and 1.1% per month, depending on the repayment term, the amount and your company's score.

No warranty and no hidden costs.

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