financing solutions for brokers

Fast, intelligent solutions for SMEs

Application submitted in 2 minutes, financing in 48 hours

Alternative solution to banks & factors

100% online process, 24-hour eligibility check

Source of additional income

Attractive commission for our broker partners

Become a Broker Partner

Response within 24h

Recommended by over 100 brokers

4.9/5

Our different financing products allow you to release immediate funds to develop the growth of your digital business in a simple, fast and flexible way.

Financing tailored to your customers' needs

Financing from 3 to 24 months, from €30,000 to €5M - from 1% per month

Growth project

Finance your recruitment, acquisition, internationalization and other operations .

Factoring - B2B customer invoice

Cash in on your B2B customers sooner by financing invoices with Karmen.

Working capital financing

Immediate cash for your working capital requirements.

Supplier payment

Pay your suppliers immediately and preserve your cash flow.

Inventory financing

Simply finance your company's inventories , receive the funds within 48 hours and repay according to your sales.

Become a partner

Marketing budget financing

Finance your acquisition, pay back with the return on investment generated by your campaigns.

Generate additional income

As a business introducer, discover our revenue-sharing program as a broker with an attractive commission.

Fast financing for your SME customers

Our solution is intelligent, with financing available in 48 hours and flexible according to your SME's needs (WCR, inventory, orders, factoring, etc.).

Stand out as a broker

Offer a new, modern and efficient financing solution compared to traditional banks and factors. No more waiting for files to be processed for several weeks

Shall we become a partner?

Become a Karmen partner and meet your SME customers' financing needs from 3 to 24 months, from €50,000 to €5 million per customer.

Become a partner

Priority processing of the file

As a partner, your application is pre-qualified within 24 hours.

A dedicated contact person

A Karmen project manager will be with you every step of the way to ensure that your project is properly managed.

An attractive commission

We offer you an attractive retro-commission on every project we finance

We've supported over 100 brokers, just like you.

What our broker partners say about us

Karmen has been a lifesaver for our customers' working capital and inventory issues.

Stéphane, business finance broker in Pau

Unlocked €600k for its customers

Setting up financing is impressively simple.

Amélie, Corporate finance broker in Paris

Financed over €1M for its customers

Really interesting commissions and a speed that feels good.

Armand, Business finance broker in Rennes

Financed €1.5M for its customers

Help your clients to access financing themselves

+27% increase in sales

observed by our customers 3 months after the financing

Frequently asked questions

What are the advantages of working in partnership with Karmen?

Working in partnership with Karmen means..:

Ensure ultra-fast response to your customer requests, thanks to our dedicated team
Work with a trusted partner to finance working capital and cash flow for your growing customers
Take advantage of really attractive commissions on business referrals
Flexible financing that adapts to your customers' challenges and constraints

But it's also a dedicated contact and a team that knows you, for simpler, faster and more human exchanges.

What are Karmen's eligibility criteria for my customers?

To be eligible for our financing, your customers must have at least..:

- 9 months of commercial activity

- 300,000 in revenues over the past 12 months

- Company or entity based in mainland France

What is Karmen?

Karmen is a Fintech redefining access to financing for all French SMEs.

Karmen enables companies to obtain a short-term loan in 48 hours and in just a few clicks, thanks to a 100% online financing application.

Karmen has raised €100 million and financed over 400 entrepreneurs. This has resulted in €75 million in financing for French SMEs.

Where does Karmen funding come from?

Karmen recently raised €50 million in debt from Fasanara Capital.

That's why Karmen offers competitive financing terms.

Read our press release for more details.