Our mission is to simplify business loans and make them instantly available to every entrepreneur.
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"SMEs are the engine of the economy, but when it comes to securing financing, they still face endless, opaque, and time-consuming processes .
Frustrated by this lack of agility, we founded Karmen in 2021. Analysis in a matter of days. Financing in a matter of hours. A dedicated point of contact. Integration with the tools SMEs already use. We give business leaders back the visibility and speed they deserve to finance their growth.
Why?
To transform the European financial landscape by offering financing that complements banks—faster, more transparent, and more accessible."
We want to democratize access to financing for companies
We want to change financing models in an ultra-regulated sector
We are flexible and adaptable to meet the needs of every executive
The best of technology, the best of humanity.
We combine the expertise of our analysts with the speed of our algorithms to offer you highly personalized support, with a single point of contact who understands your industry and your business.

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