Unleash your growth potential

Finance your business without dilution and in 48 hours

Get your funds
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Simple

Forget about complex old processes, discover a financing experience in a few simple steps

Fast

Apply for financing in 2 minutes and a few clicks, get an offer in 48 hours

Responsive

Financing tailored to your company's needs

Finally, financing that fits your business, not the other way around.

Karmen

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Access to capital in 48 hours

Test your eligibility and get your financing offer in 48 hours.

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Non-dilutive financing

Finance your growth without diluting yourself, Karmen does not interact with your company's capital.

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Reimbursement based on sales

Access your financing today, pay it back later based on the revenue you generate.

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No hidden fees

Our offer is totally transparent, you have a clear vision on the cost of financing before signing anything.

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High funding amounts

Karmen is able to finance companies from 10K€ to 5M€.

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Low cost of financing

Financing at a very competitive cost: a commission that varies between 3 and 8% of the total amount financed.

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No collateral required

Karmen assumes the entire risk, we take no claim on your assets.

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Scalable financing model

Repeated financing offers as your development accelerates, to ensure sustainable growth.

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Responsive

With Karmen, financing finally adapts to your business model, not the other way around.

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100% digitalized

Test your eligibility and get your financing offer directly from your computer. 

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Financing request

How does it work?

1

Test your eligibility

Fill out the form to evaluate your egilibility

Test my eligibility
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2

Connect your accounts to our platform

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 minutes
3

Access your funds within 48 hours

Receive the funds directly into your bank account, invest as you wish in your growth.

Repeat the operation as many times as you like.

Apply for financing
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We have financed over 300 companies like yours.

"We recorded a +35% growth following the Karmen financing"
Manon, Co-founder
PimpUp
"What makes the difference is the combination of responsiveness and non-dilution".
Caue, Co-founder
FlexLiving
"Karmen helped us finance a production to relieve working capital."
Romain, Co-founder
Humble+

Frequently asked questions

What are Karmen's eligibility criteria?

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

What is Karmen?

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.

Can I use my Karmen funding as I wish?

Absolutely. You are 100% free to use the growth capital funded by Karmen as you wish.

Is there a fee for applying for funding?

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.

Where does my Karmen funding come from?

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.

How does Karmen work?

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.

How much does a Karmen financing cost?

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.