The business loan to finance your working capital and inventory.
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You pay your suppliers months before your customers pay you. This constant cash outlay slows down your operations and holds back your sales.
The risk : Limited revenue despite a full order book, due to an inability to fulfill sales.
Launching marketing campaigns requires spending money before generating sales. You have to wait until you make sales before you can reinvest your profits in customer acquisition.
The risk: Restricted growth and lower net profitability ahead of a peak in business activity
Launching development projects or expanding internationally requires immediate access to funds, which banking cycles do not allow.
The risk: Missing out on additional margins and watching opportunities go to the competition.
Karmen Loan is a financing solution designed to complement your bank’s services for your short-term needs (marketing, inventory, working capital, growth). With just a few clicks and within 48 hours, access the funds you need to grow your business.
The benefit: Karmen supports you over the long term with increasing funding and a dedicated team.
Get funded
100% digital to get your line of credit approved within 48 hours. Personalized support for a loan with no delays or complications.
Repayment terms tailored to your business cycle. Long-term support, with recurring and increasing financing.
No hidden fees and no prepayment penalties. Non-dilutive financing—you retain 100% control.
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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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Karmen provides working capital financing for French small and medium-sized businesses through short-term loans ranging from 1 to 24 months. The application process is 100% online, eligibility results are available in 2 minutes, and funds are disbursed within 48 hours. The cost ranges from 0.9% to 1.2% per month depending on the term, with no application fees or collateral required.
A short-term loan allows you to order inventory and pay your suppliers without dipping into your cash reserves. Karmen finances inventory purchases for small and medium-sized businesses over a term of 1 to 24 months, with funds disbursed within 48 hours. The cost ranges from 0.9% to 1.2% per month depending on the term, with no hidden fees.
A short-term loan allows you to finance a customer acquisition campaign without giving up any equity in the company. Karmen provides financing for these campaigns for French SMEs over a term of 1 to 24 months, with a response within 48 hours and a cost of 0.9% to 1.2% per month, depending on the term. The financing is non-dilutive: you retain control of your equity.
The main options are bank loans, fundraising, factoring, and short-term online loans. Bank loans require a lengthy application process, and fundraising dilutes equity. Karmen offers short-term loans ranging from 1 to 24 months and factoring—all 100% online—with funds disbursed within 48 hours and no collateral required.
Karmen finances growth initiatives for small and medium-sized businesses—including hiring—with a short-term loan ranging from 1 to 24 months obtained outside the banking system. Applications are submitted online, funds are disbursed within 48 hours, and no collateral is required. The cost ranges from 0.9% to 1.2% per month, depending on the term.
