6 financing levers 2025

In an ever-changing economic environment, mastering the levers of financing is becoming a major strategic issue in ensuring your company's growth. Choosing the right financing solutions for your specific needs can make all the difference between a company that stagnates and one that successfully expands. Discover with us the 6 essential levers to optimize your company's financing in 2025 and support its sustainable development.

Traditional bank financing: strengths and limitations

Traditional bank financing is still one of the most popular solutions for companies seeking long-term funds. It offers a number of advantages, but also has limitations that need to be taken into account.

Advantages of bank financing

The advantages and disadvantages of bank loans need to be carefully analyzed, as this type of financing often involves lengthy and complex procedures. Although banks offer competitive interest rates and extended repayment periods, the application process can be tedious and requires meeting strict criteria.

Key points to consider:

• Interest rates are often more advantageous than other financing solutions, especially for long-term loans.
• However, banks often require strong guarantees and detailed financial documentation, which can hamper access to this type of financing for some companies.
• The approval process can take several months, which can be an obstacle when funds are urgently needed.

ℹ️ For example, an industrial SME in our portfolio recently obtained a €200K, 5-year bank loan. However, the process required 4 months of negotiations and the provision of substantial personal guarantees, demonstrating the slowness and complexity of this approach.

New-generation factoring

Factoring has evolved considerably in recent years. Modern factoring solutions now enable companies to better manage their cash flow while optimizing their collection process. Unlike traditional factoring, which is often perceived as rigid and intrusive, new-generation factoring offers greater flexibility and control.

Fast, transparent financing

This model enables companies to finance their trade receivables without waiting for the usual payment terms, freeing up cash quickly to invest in growth. The major advantage lies in the transparency of these solutions, where the company retains full control over its customer relations.

Key benefits of new-generation factoring

• Choice of invoices to be financed: you select the receivables you wish to finance, enabling you to manage your cash flow more effectively.
• Flexibility: you can adapt your financing needs to suit your business and your company's actual cash flow.
• Optimized customer relations: unlike traditional factoring, this model enables you to maintain good relations with your customers.

ℹ️ For example, an e-tailer using Karmen Factor was able to reduce its collection time from 60 to just 2 days. This enabled him to strengthen his cash position and continue to invest in his development without having to worry about financial tensions.

The Karmen loan: a flexible, innovative financing solution

The Karmen loan is a modern, efficient alternative to fund-raising. Alternatives to fundraising, such as those offered by Karmen, are ideal for companies generating regular revenues, particularly in SaaS or e-commerce. Unlike traditional loans, the Karmen loan offers flexible repayment terms, tailored to your company's actual financial performance. This enables you to preserve your capital while supporting stable, sustainable growth.

Why choose this loan?

• Flexible repayments: Repayments adjust to your cash flow, offering optimal financial management.
• Keep 100% of your capital: founders retain control of their company, unlike when raising capital.
• Suitable for businesses with predictable revenues: Ideal for subscription-based models or online sales.

A modern solution to finance your growth

With its simplicity and adaptability, the Karmen loan is proving a popular solution for companies looking to finance their growth without the constraints associated with traditional financing methods.

Short-term financing solutions

Short-term financing plays a key role for companies that need cash quickly to seize growth opportunities. The best short-term financing solutions offer the flexibility to meet immediate needs while preserving the company's financial health.

Karmen Loan: a fast, flexible solution

With loans ranging from €30K to €5M, we have developed Karmen Loan to offer businesses the possibility of fast, flexible financing, with terms from 1 to 24 months. This type of financing is ideal for one-off cash needs, enabling your company to seize growth opportunities without burdening its long-term finances.

Why choose short-term financing?

Key benefits of this solution include :

• Quick decisions: you get rapid responses to your financing requests, enabling you to make more agile decisions.
• Repayment flexibility: you can adapt your repayments to your cash flow, making it easier to manage your WCR.
• Tailor-made solutions: loans can be adjusted to meet your exact financing needs

Optimizing public aid

Public financing offers companies access to financial resources while retaining their entire capital. These grants cover a wide range of areas, including innovation, ecological transition and job creation. However, accessing them can be complex, and requires a clear understanding of eligibility criteria.

The main public schemes to know

Available aids include :

• Innovation grants: finance R&D or technological development projects.
• Ecological transition grants: support companies engaged in environmentally-friendly projects.
• Tax credits and territorial subsidies: help companies to develop locally or create jobs.

Maximizing the impact of public fundingActive monitoring and proactive management of applications can help you maximize the use of this funding, which is often essential for the development of specific projects.Building an effective financing strategyTherole of financing in growth is paramount in guaranteeing your company's long-term success. An effective financing strategy is based on intelligent management of the various levers at your disposal, taking into account your company's needs and the dynamics of your sector.Keys to a successful financing strategy

• Diversification of financing sources: it's crucial not to depend on a single financial lever, but to combine several solutions to reinforce your company's stability.
• Alignment with the company's life cycle: choose financing that matches your stage of development and cash flow needs.
• Anticipate future needs: forecast future financing requirements to avoid cash flow tensions and ensure stable growth.

Karmen solutions: tailor-made support.

At Karmen, we have developed tailor-made solutions that combine flexibility, speed and simplicity, adapted to the modern challenges of growing businesses. Our expertise enables us to understand the specific needs of each company and to propose financing solutions that are perfectly adapted to each situation.Whether to finance growth, optimize working capital, or seize opportunities, we put our expertise and our network at your service to help you develop your business in the best possible way.Mastering the different levers of financing is now an essential strategic issue to ensure the sustainability and growth of your company. To identify the solutions best suited to your situation and benefit from expert support, please do not hesitate to contact our specialists. Together, we'll build the best financing strategy to support your company's growth.