Connect your Qonto account to Karmen

Simplify your financing application Karmen using information from your Qonto account.

Connect your Qonto account to determine your eligibility for financing in just a few simple steps.

Integration Karmen and Qonto

Simple

100% digitized, your Qonto account gives you access to financing in just a few steps

Fast

A 48-hour response with a financing offer from our credit experts

Responsive

Customized financing fully adapted to your company's growth needs

4min to understand everything about Karmen

1. Introducing Karmen.
2. What does Karmen offer?
3. What are the financing options?
4. How does the application process work?
5. Which companies are eligible?
Qonto x Karmen

Get funded in 3 steps

1

Connect with Qonto

Your Qonto data is automatically synchronized, and
you can then add additional documents. 

Karmen illustration
2

View your offer

We analyze your company's eligibility and propose a financing offer.

‍Validate the offer that suits you best

3

Access your financing and start again

Receive funds directly into your Qonto account.

Analyze your financial indicators from your Karmen space.

Access new financing whenever you need it.

karmen feature 2
qonto flower logo
Connecting with Qonto

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+
qonto flower logo
Connecting with Qonto

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

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 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.

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.

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.

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.

Karmen team

About us

Founded in 2021, we raised an initial €22 million in January 2022.
We raised a further €50 million in debt in November to support your business development, without diluting your capital.
This non-dilutive financing, made available within 48 hours, is designed to relieve your cash flow and finance your short-term needs.
In one year, we have already supported over 100 entrepreneurs, without diluting their capital.