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Karmen
Karmen SAS · Company must be based in mainland France.
Repayable Applications open
Karmen is a fintech offering short-term business loans of 1 to 24 months and factoring of B2B customer invoices. Companies apply online and can receive a financing offer within 48 hours. The page describes the service as aimed at small and medium-sized businesses.
This is borrowed money: it is repaid, usually as a share of revenue, until an agreed total with a fee is reached. Your equity is not diluted.
Programme terms
- Amount
- Amount not published by the organiser — set individually: you enter your annual turnover in an eligibility check, and a credit-expert offer follows analysis of your accounting and banking data. The page also lists a 0 processing fee and a 48-hour response.
- Funding type
- Repayable
- Stages
- Early Traction, Growth
- Industries
- E-commerce & Consumer, SaaS & Software, B2B / Enterprise
- Regions
- Europe
- Applications
- Rolling intake
- Who can apply
- Company based in mainland France; company tenure > 1 year; last 12 months' sales > €300,000; positive shareholders' equity on the liabilities side of the last balance sheet.
- Application fee
- No, applying for Karmen financing is free.
Watch this programme
Applications here run year-round. We'll write when that changes: closed between cohorts, or open again.
One email about this programme. We re-check the catalogue weekly, one-click unsubscribe.
Data checked: October 10, 2026. Organisers change their terms. Check their site before you apply.
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