Karmen is a solution designed to finance the growth of digital companies.
Get financing from 10k€ à 5M€ for your growth, without diluting your capital.
Karmen and Qonto join forces to offer you 360° financial support, releasing funds within 48h directly to your Qonto account.
Get instant instant credit for your marketing operations, recruitment, inventory financing, cash flow etc...
100% digitized, your Qonto account gives you access to financing in just a few steps
A response within 48 hours with a financing offer from our credit experts
Customized financing fully adapted to your company's growth needs
Your Qonto data is automatically synchronized, and
you can then add additional documents.
We analyze your company's eligibility and propose a financing offer.
Validate the offer that suits you best
Receive funds directly into your Qonto account.
Analyze your financial indicators from your Karmen space.
Access new financing whenever you need it.
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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
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.
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.
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 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.
Founded in 2021, Karmen's mission is to help digital entrepreneurs finance their growth.
After raising €22 million, we raised €50 million in November to support your project, without diluting your capital.
This non-dilutive financing, made available within 48 hours, aims to relieve your cash flow to finance your short-term needs.
In one year, we have already supported more than 100 entrepreneurs, without diluting their capital.
