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

Unleash your growth potential

A faster, simpler short-term loan solution
tailored to the needs of growing companies.

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Loans from 1 to 12 months

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Financing in 48 hours and 100% online

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Up to €5M

Apply for financing in 2 minutes
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Instant cash for your business

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.

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

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A response within 48 hours with a financing offer from our credit experts

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Customized financing fully adapted to your company's growth needs

A solution for digital companies

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Finance your inventory, marketing and recruiting needs with fast ROI

"Karmen's debt line allowed us to buy our inventory in large quantities, so at more competitive prices. We were also able to double our Google Ads and Facebook budgets. Plus, with Karmen's flexible repayment schedule based on our revenue, we have peace of mind in slower business times.

CFO e-Commerce company with 1.4M€ annual turnover
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Finance your marketing and recruitment needs to boost your growth

"We've been looking for financing for a long time to support our growth without diluting our business, but the options are limited, time-consuming and the financial players didn't understand our model. With Karmen I connected my accounts and got a financing offer. I received the funds in less than two days.

Co-founder & CEO SaaS Bootstrapped with 70K€ of MRR
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Finance your working capital needs with ease

"Aswe generated growth, we had a growing WCR, preventing us from realizing our full potential. Banks were having a hard time positioning themselves for working capital financing. The Karmen team understood our needs and challenges. Now we have a financial partner we can rely on for the long term."

Co-founder & CEO SME B2B

Get funded in 3 steps


Test your eligibility

Fill out the form to evaluate your egilibility

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Karmen connect your platforms

Connect your accounts to our platform

Then discover our financing offer from our team of credit experts

Test my eligibility in 2 minutes

Access your funds within 48 hours

Receive the funds in your bank account

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Connect your tools in a few clicks

We integrate natively with your tools with our secure API to analyze your business data

Evaluate your financing capacity

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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 the leader in Revenue Based Financing for all digital businesses.
Karmen is a non-dilutive growth financing solution for SaaS, e-commerce, service companies, marketplaces and mobile applications.

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 and transparent commission on the total amount financed.
The commission varies between 3 and 8%, depending on the amount, the repayment period (12 months maximum) and the score of your company.

No guarantees or hidden fees.

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

We have financed over 200 companies like yours.

"We recorded a +35% growth following the Karmen financing"
Manon, Co-founder
"What makes the difference is the combination of responsiveness and non-dilution".
Caue, Co-founder
"Karmen helped us finance a production to relieve working capital."
Romain, Co-founder

Join the entrepreneurs who already trust us

Financing my growth
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