Receive money from your customer invoices today.

Don't wait 90 days to receive money for your customer invoices.
Get the money immediately and pay when your invoice is paid.

Financing my customer invoices

Unlock your business growth with Karmen Factor

Get your outstanding customer invoices paid today.

Pay in 30, 60 or 90 days, when the invoice is paid by your customer.

Simple, fast and with no hidden costs.

Registration in 5 minutes, release of funds in 48 hours.
Process with no collateral required and no deposit. 

Invisible to your end customers.
The invoice is not transferred.

Your sales cycle stays simple. Karmen Factor is all about your business. 

Develop your business serenely over the long term.

Karmen supports you over the long term, with recurring customer invoice financing in line with your needs.
Finance your invoices

Karmen Factor absorbs your WCR

Invoice financing over 30, 60 or 90 days, renewable every month.

Get funded

Invisible for your customers

The invoice is never transferred, it remains in your hands.

Finance 100% of your B2B invoices

Repay automatically by direct debit when your customer pays you.

With you for the long term

Your credit limit increases as you grow.

Karmen Eligibility Criteria

Eligibility Criteria

  • French entity

  • B2B invoices only, paid in 30 days or more

  • €300k+ in sales over the last 12 months

  • Positive equity, clean payment history

Subscribe in 3 easy steps


Test your eligibility in 30 seconds


Connect your accounts to our platform to set your credit limit


Import and finance your invoices within 48 hours

We have financed over 300 companies like yours.

Discover the testimony of Augustin, Factor client

"With its Factor product, Karmen allows me to be able to pay all of my vendors on the due date."
Augustin, Co-founder & CFO

Join the entrepreneurs who already trust us

Financing my growth
Blue confidence