Pascal
-
Uptale
SaaS
All
Secured over €1m with Karmen
&
Manage your accounts receivable with GCollect, finance them with Karmen.
Finance your invoices in 48 hours
100% online automated analysis
Invisible process: no invoice transfers
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Discover the future of financing
Simple
Access your funds in just a few steps with our 100% digitalized solution
Fast
A 48-hour response with a financing offer from our credit experts
Responsive
Customized financing fully adapted to your company's growth needs
A financing process re-invented
01
Financing application (2mn)
Apply for financing in just a few clicks, directly from a quick form.
Get a pre-eligibility answer immediately.
Get a pre-eligibility answer immediately.
02
Account creation (15mn)
Create your Karmen account, import your bank transactions and billing tools.
Apply for financing directly from your customer area.
Apply for financing directly from your customer area.
03
Analysis and granting of funds (48h)
Using the data collected, we assess the company's risk and work with you to build the best possible financing offer.
Once the offer has been validated, you receive the funds directly into your bank account.
Once the offer has been validated, you receive the funds directly into your bank account.
We have supported over 600 companies like yours.
What our customers say about us
Benjamin
-
Sparklers
Brand / E-commerce
All
Obtained over 600 K€ with Karmen
Size :
13 M€ sales
Activity :
Sale of festive items
Financing used :
Karmen Loan
Amount :
600 000€
Result:
1 million in additional sales generated thanks to financing
See the testimonial
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Augustin
-
Stracker
SMES
All
Obtained over 800 k€ with Karmen
Size :
2 M€ sales
Activity :
Transport and international logistics
Financing used :
Karmen Factor & Loan
Amount :
800 000€
Result:
Financing working capital
See the testimonial
Frequently asked questions
What are Karmen's eligibility criteria?
To be eligible for Karmen financing, you must have at least :
- Company based in mainland France
- Company seniority > 2 years
- Last 12 months'sales > €300,000
- Positive shareholders' equity on the liabilities side of the last balance sheet
Where does my Karmen funding come from?
Karmen recently raised 100 million euros in debt from Fasanara Capital.
That's why Karmen offers competitive financing terms.
Read our press release for more details.
How much does a Karmen financing cost?
Unlike banks, Karmen financing operates without interest rates.
We take a fixed, transparent commission on the total amount financed.
The commission varies between 0.9% and 1.1% per month, depending on the repayment term, the amount and your company's score.
No warranty and no hidden costs.
With Karmen, you'll always have a clear picture of your financing costs and payment schedule, before you sign anything.
What is Karmen?
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.
How does Karmen work?
1. Apply for funding from Karmen.
2. Transmit your banking and accounting information to the Karmen platform.
3. Receive a financing offer in less than 48 hours.
4. Repeat as many times as your growth requires.
Can I use my Karmen funding as I wish?
Absolutely. You are 100% free to use the growth capital funded by Karmen as you wish.
Is there a fee for applying for funding?
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.