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 100 million euros 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.