Karmen raises 9 million euros to enrich its financing offer for VSEs and SMEs

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While payment deadlines and working capital requirements (WCR) weigh heavily on companies’ cash flow, Karmen is establishing itself as a new player in financing VSEs and SMEs in France. With more than 600 companies already supported, fintech offers short-term financing solutions that stand out for their flexibility and speed of granting.

On the occasion of a new round of discussion intended for the development of the company, we welcome Gabriel Thierry, co-founder and CEO of KARMEN

An offer adapted to the challenges of SMEs

Small and medium-sized businesses, often faced with complex banking procedures, find Karmen’s services an effective alternative. Fintech offers financing ranging from 30,000 to 5 million euros over periods of 2 to 24 months, making it possible to cover various needs such as working capital, inventory purchases or even the financing of marketing campaigns.

With 71% of its clients located outside Île-de-France, Karmen also responds to the specific challenges of businesses in the region, often the most exposed to difficulties in accessing credit.

Technology at the heart of innovation

Technological innovation is at the center of Karmen’s model. Thanks to an embedded financing API, integrated with partners such as Qonto or e-commerce marketplaces, fintech offers a fluid and fast experience. This approach allows 80% of its customers to request its services several times a year, proof of their satisfaction and the relevance of the solutions offered.

Growth prospects and internationalization

Karmen doesn’t plan to stop there. For 2025, the company aims to launch new products, including a modernized factoring solution called “Karmen Factor”, and to perfect its scoring models based on artificial intelligence. International expansion, particularly in Southern Europe, is also among its priorities.

Fundraising to develop the offer and open up to Europe.

To support these ambitions, Karmen raised 9 million euros from Seventure Partners, Financière Arbevel, and Bpifrance. This operation is in addition to a raising of 100 million euros in debt carried out in June 2024 with Fasanara Capital.