Karmen

Karmen is a French fintech company that provides non-dilutive financing solutions for businesses, specifically those operating in the subscription economy such as SaaS, e-commerce, and other digital businesses. Karmen offers a quick and easy way for businesses to access capital through Revenue Based Financing (RBF), a model where businesses repay a percentage of their future revenue instead of a fixed interest rate. This approach aims to be more flexible and accessible than traditional bank loans or equity financing, enabling companies to accelerate their growth without diluting their ownership.

Karmen has developed a fully digital platform that simplifies the financing process. Businesses can apply for funding online in minutes and receive a decision within 48 hours. The platform leverages open banking technology to connect with a company's bank accounts, allowing for a more streamlined analysis of their financial data. Karmen's mission is to democratize access to financing for businesses and provide them with the resources they need to scale and thrive in today's digital landscape.

Karmen offers flexible working arrangements, including remote work options, allowing employees to adjust their work schedule and location to suit their personal needs. This is reflected in their values of being "agile" and "adaptable" to meet the needs of each individual. The company encourages a healthy work-life balance and provides opportunities for employees to manage their time effectively.

Karmen is a French fintech company committed to democratizing access to financing for businesses, especially those operating within the subscription-based economy. Their mission is to provide fast, flexible, and non-dilutive financing solutions for SaaS companies, e-commerce businesses, and other digital enterprises. By offering revenue-based financing, Karmen aims to empower entrepreneurs to accelerate growth without sacrificing control of their companies, ensuring they remain independent and able to focus on their core business objectives.

Karmen promotes a culture that is committed to democratizing access to financing for businesses, particularly in the digital economy. They value a progressive approach to financing, seeking to disrupt traditional models and offer more flexible and adaptable solutions. The company emphasizes agility and responsiveness to meet the unique needs of each business.

Karmen is committed to fostering a diverse, equitable, and inclusive workplace where everyone feels valued, respected, and empowered to contribute their unique perspectives and talents. They strive to create a culture that embraces differences and promotes equal opportunities for all employees, regardless of their background, gender, race, sexual orientation, gender identity, or any other protected characteristic. Karmen believes that diversity strengthens their team and enhances their ability to innovate and solve complex problems, ultimately leading to a more successful and sustainable business.