Repayable finance for startups

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.

Wayflyer is a financing partner for fast-growing businesses in e-commerce, retail, software and services. It offers funding from €5.000 to €20 Mio. € that is repaid as fixed instalments or as a percentage of revenue, with no equity given up and no personal guarantees. The page says there are no restrictions on how the funds can be used.

Levenue is a European revenue-based financing platform that provides non-dilutive funding to businesses with recurring revenue. Businesses can access upfront capital by leveraging a portion of their future revenue, receiving up to 35% of future ARR upfront. The funding is repaid through fixed monthly instalments over 12 months.

Working capital for high-growth consumer brands and retailers, used to fund inventory, marketing spend and purchase orders. The capital is repaid out of revenue rather than exchanged for equity, and applying does not affect the founder's credit score.

Founderpath provides non-dilutive capital to ambitious founders, with Revenue Financing, Term Loans and Merchant Cash Advances, and no equity taken. The page says founders can connect their data and get funded in under 24 hours. It is aimed at software, brick-and-mortar and CPG businesses with recurring or repeat revenue.

Gilion offers Growth Funding, which the page describes as the best non-dilutive funding for SaaS businesses, and a Seasonal Credit product for scaleups. The page says that in Germany Gilion operates as a loan broker and that the loans are granted by a third-party bank.