Short-term loan of up to €1 million
1 to 24 months
48-hour financing
100% online process
Transparent and responsive
0 warranty, 0 hidden costs, flexible reimbursement
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Finally, a financing alternative that is truly tailored to the needs of businesses in 2026.
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Pennylane has partnered with Karmen to give you access to financing of up to €1,000,000 within 48 hours, deposited directly into your business account.
Test my eligibility in 2 minutes
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
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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.
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Once the offer is approved, you will receive the funds directly into your Pennylane Business Account.
48h
To be eligible for Karmen financing, you must have at least :
- Company based in mainland France
- Company tenure > 1 year
- Last 12 months'sales > €300,000
- Positive shareholders' equity on the liabilities side of the last balance sheet
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.
The cost of Karmen financing depends on the company's risk profile.
This is an overall cost on the amount financed. It varies between 0.9% and 1.2% per month, depending on the repayment period.
There are no hidden fees and we do not require a deposit.
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.
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.
Absolutely. You are 100% free to use the capital financed 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.
