Business financing, made
simple.
Short-term loan
1 to 24 months
48-hour financing
100% online process
Transparent and responsive
0 guarantees, 0 hidden costs, flexible reimbursement
Short-term loan
1 to 24 months
48-hour financing
100% online process
Transparent and responsive
0 guarantees, 0 hidden costs, flexible reimbursement
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Our different financing products allow you to release immediate funds to develop the growth of your digital business in a simple, fast and flexible way.
The flexibility of this financing model allows us to support you in all your cash flow challenges
Access your funds in just a few steps with our 100% digitalized solution
A 48-hour response with a financing offer from our credit experts
Customized financing fully adapted to your company's growth needs
2 possible repayment methods
Classic = Fixed monthly payment
Designed for e-merchants = a percentage of sales generated each week.
Karmen is remunerated by a commission on the total amount (unlike conventional financial institutions, which operate on an interest rate basis).
The commission is deducted from the amount disbursed.
In this way, you actually "pay" the commission on the last monthly instalment, once growth has been generated.
This has the effect of making the cost of financing painless for your cash flow.
To be eligible for our funding, you must have at least :
- 9 months of commercial activity
- 300 000€ of income over the last 12 months
- Company or entity based in mainland France
Karmen is a Fintech redefining access to financing for all French companies.
Karmen enables companies to obtain a loan in 48 hours and in just a few clicks, thanks to a 100% online financing application.
Absolutely. You are 100% free to use the growth capital funded by Karmen as you wish.
No, the Karmen funding application is free. It only takes a few minutes to register and your funding application can be approved within 48 hours.
Karmen recently raised €50 million in debt from Fasanara Capital.
That's why Karmen offers competitive financing terms.
Read our press release for more details.
1. Apply for funding from Karmen.
2. download your documents and connect your tools to the Karmen app.
3. Receive a financing offer in less than 48 hours.
4. Repeat as many times as your growth requires.
Unlike banks, Karmen financing operates without interest rates.
We take a fixed, transparent commission on the total amount financed.
The commission varies between 3% and 8%, depending on the amount, the repayment period (maximum 24 months) and your company's score.
No warranty, no hidden costs.
With Karmen, you'll always have a clear picture of your financing costs and payment schedule, before you sign anything.