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Manage your growth with ScaleX, and finance it with Karmen.
Get a loan in 48 hours with automated analysis
Borrow between €10k and €5M , repayable in 3 to 12 months
Finance your growth and pay back according to your sales
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Discover the future of financing
Simple
Access your funds in just a few steps with our 100% digitalized solution
Fast
A 48-hour response with a financing offer from our credit experts
Responsive
Customized financing fully adapted to your company's growth needs
A financing process re-invented
01
Financing application (2mn)
Apply for financing in just a few clicks, directly from a quick form.
Get a pre-eligibility answer immediately.
Get a pre-eligibility answer immediately.
02
Account creation (15mn)
Create your Karmen account, import your bank transactions and billing tools.
Apply for financing directly from your customer area.
Apply for financing directly from your customer area.
03
Analysis and granting of funds (48h)
Using the data collected, we assess the company's risk and work with you to build the best possible financing offer.
Once the offer has been validated, you receive the funds directly into your bank account.
Once the offer has been validated, you receive the funds directly into your bank account.
Enter your sales to assess your financing capacity
What does it look like in practice ?
Example of Karmen financing
Amount of financing
+ 280 000.00€
Financing need
Marketing expenses
Financing period
7 months
Reimbursement
2 possible repayment methods
Classic = Fixed monthly payment
Designed for e-merchants = a percentage of sales generated each week.
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Monthly
Karmen Commission
Karmen is remunerated by a commission on the total amount (unlike conventional financial institutions, which operate on an interest rate basis).
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4%
Total cost of financing in €
11 200.00€
Monthly payment
40 000.00€
Guarantees seized by Karmen
No
Early repayment charges
Free
Sample payment schedule
January
+ 268 800€
February
- 40 000€
March
- 40 000€
April
- 40 000€
May
- 40 000€
June
- 40 000€
July
- 40 000€
August
- 40 000€
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The commission is deducted from the amount disbursed.
In this way, you actually "pay" the commission on the last monthly instalment, once growth has been generated.
This has the effect of making the cost of financing painless for your cash flow.
Why isn't the January transfer equal to the total financing amount?
We have supported over 600 companies like yours.
What our customers say about us
Karmen has been a lifesaver for our WCR and inventory issues.
Full testimonial
Setting up the financing was impressively straightforward.
Full testimonial
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.