Karmen Factor

Modern factoring to convert your B2B customer invoices into available cash.

Financing my customer invoices
Recommended by +1000 companies
4.9/5

How can Karmen Factor reduce your working capital requirements without relinquishing control of your receivables?

Reimburse when the invoice is paid by your customer

Karmen Factor frees up your cash flow by financing your customer invoices as soon as they are issued. Repay in 30, 60, or 90 days.

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.

Unlike traditional factoring, our solution is invisible to your end customers. Maintain your business relationship with your customers.

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 reduces your WCR

Each month, receive your B2B customer invoices paid in 30, 45 or 60 days.

Get funded

Invisible for your customers

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

Finance 100% of your B2B invoices

Automatic reimbursement when your customer pays you.

With you for the long term

Your Factor credit line grows with your needs.

Karmen Eligibility Criteria

What are the eligibility criteria for Karmen Factor?

  • Company based in mainland France with at least 2 years' seniority

  • B2B invoices only, paid in 30 days or more

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

  • Positive shareholders' equity and clean payment history

Am I eligible?

A reinvented financing process

Financing request

Apply for financing in 3 clicks and receive immediate pre-eligibility

2mn

Create an account

Create your Karmen account and transmit your accounting and banking information.

8mn

Analysis and allocation of funds

Once the offer has been validated, you receive the funds directly into your bank account.

48h

Get funded

What do our customers say about Karmen?

We've supported over 1,000 companies just like yours.

Join the entrepreneurs who already trust us

Financing my growth
Blue confidence
Start the adventure
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