I. Dream Act

Since its creation nearly 10 years ago, Dream Act has evolved significantly, positioning itself as a key player in the social economy sector. The company promotes ethical and ecological French brands, contributing to the preservation of local know-how. With the closure of its consumer marketplace, Dream Act has refocused on the sale of personalized objects for businesses, local authorities and NGOs, replacing imported items with French-made creations.

II. A need for cash flow financing

Dream Act needed a cash flow financing solution to support its development in the face of slow payments from its customers, mainly major accounts and local authorities. With payment terms of up to 96 days, the company decided to work with Karmen to manage its working capital requirements (WCR) and ensure rapid payment to its artisan workshops, without jeopardizing their business.

III. Our response

Karmen was able to meet Dream Act's cash flow challenges by offering a flexible, tailored financing solution. Thanks to Karmen, Dream Act was able to fully utilize its financing lines, generating significant additional sales. By facilitating access to funds in less than 48 hours, Karmen gave Dream Act the peace of mind it needed to concentrate on its core business, while simplifying payment management. This strategic partnership has enabled the company to continue to grow, while respecting its commitment to ethical and responsible practices.