Modern factoring to convert your B2B customer invoices into available cash flow.
Your customers pay you 30, 60, or 90 days after you provide your services. The time lag between providing the service and receiving payment ties up your cash flow, even though you already have to pay your suppliers.
The risk: Having to turn down opportunities due to a lack of available cash and facing the risk of bankruptcy despite a full order book.
Your business experiences peak periods (sales, holidays, Black Friday). You need to finance your purchases and supplier payments several months before your first sales.
The risk: Being unable to meet demand and missing out on your peak season due to insufficient purchasing capacity.
Signing a major contract immediately puts a strain on your cash flow. Launch costs (recruitment, raw materials) come due well before the final payment is made.
The risk: Seeing your growth stifled by rigid credit limits that don’t keep pace with your business success.
Karmen Factor turns your outstanding invoices into cash to finance your working capital. Your business no longer has to deal with late payments. Your credit line grows along with your revenue, without the rigid limits of traditional factoring.
The advantage: It’s 100% invisible to your end customer, so you retain control over your business relationships.
Explore our case studies
Karmen Factor eases your cash flow by financing your customer invoices as soon as they are issued. Repay in 30, 60, or 90 days.
Sign up in 5 minutes; get a response and access your funds within 48 hours. The process requires no collateral or security deposits.
Invisible to your customers, no transfer of ownership. 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
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