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Irma predicts the future state of your cash flow to facilitate your decisions.
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Irma predicts the future state of your cash flow to facilitate your decisions.
Try it for free
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Forget about complex old processes, discover a financing experience in a few simple steps
Apply for financing in 2 minutes and a few clicks, get an offer in 48 hours
Financing tailored to your company's needs
Karmen
Banks
Fund raising
Access to capital in 48 hours
Test your eligibility and get your financing offer in 48 hours.
Karmen
Competitors
Banks
Non-dilutive financing
Finance your growth without diluting yourself, Karmen does not interact with your company's capital.
Karmen
Competitors
Banks
Reimbursement based on sales
Access your financing today, pay it back later based on the revenue you generate.
Karmen
Competitors
Banks
No hidden fees
Our offer is totally transparent, you have a clear vision on the cost of financing before signing anything.
Karmen
Competitors
Banks
High funding amounts
Karmen is able to finance companies from 10K€ to 5M€.
Karmen
Competitors
Banks
No collateral required
Karmen assumes the entire risk, we take no claim on your assets.
Karmen
Competitors
Banks
Scalable financing model
Repeated financing offers as your development accelerates, to ensure sustainable growth.
Karmen
Competitors
Banks
Responsive
With Karmen, financing finally adapts to your business model, not the other way around.
Karmen
Competitors
Banks
100% digitalized
Test your eligibility and get your financing offer directly from your computer.
Karmen
Competitors
Banks
Karmen integrates natively with your financial tools to analyze your business and propose a financing offer in just a few days.
Test my eligibility in 2 minutesReceive the funds directly into your bank account, invest as you wish in your growth.
Repeat the operation as many times as you like.
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.
