Invisible factoring to collect your B2B customer invoices without assigning receivables.
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The time lag between when you provide services and when you receive payment is hindering your ability to reinvest.
The risk : Seeing your profitability disappear into overdraft fees or time-consuming administrative follow-ups instead of generating new business.
The gap between the services you provide and the payment of your customer invoices puts a strain on your working capital and ties up your cash.
The risk: Seeing your profitability evaporate into overdraft fees or administrative follow-ups, instead of generating new business.
Your suppliers expect to be paid quickly, while your customers pay you in 30, 45, or 60 days.
The risk: Having to turn down new orders or damage your relationships with suppliers due to a lack of immediately available cash.
Don’t let your customers’ late payments hold you back. Karmen Factor turns your invoices into cash as soon as they’re issued, helping you finance your operating cycle. Your credit line grows with your revenue, without the rigid constraints of traditional factoring.
The advantage: It’s 100% invisible to your end customer, so you retain control over your business relationships.
Pay my bills within 24 hours
More flexible than traditional factoring: no purchase of receivables, no guarantee fund, and no one-year contractual obligations.
100% online process, sign up in 5 minutes, pre-approval in 2 minutes, response and funds released within 24 hours.
100% transparent, with no hidden fees. Long-term support with financing tailored to your 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
You only pay for what you use. No hidden fees, no surprises when you sign up.
A transparent, fixed rate for peace of mind when making payments
