Karmen

What is Karmen?

Karmen is a Paris-based investment fund that specializes in revenue-based financing for companies with recurring revenue models such as SaaS, D2C subscriptions, and service businesses. Karmen targets companies with a minimum of $10,000 MRR and offers investment sizes ranging from $10,000 to $10,000,000, aligning with early to late-stage growth phases including Seed, Series A, Series B, Series C, and Pre-IPO. They provide financing that is rapid, flexible, and simplified, characterized by a fully digital process, 48-hour fund disbursement, and no requirement for collateral.

Karmen's financing options cater to various business needs such as growth operations, B2B invoice factoring, working capital financing, stock financing, and marketing budget financing. With a no fee policy and transparent costs, they aim to help digital businesses scale without the complications commonly associated with conventional lending or equity fundraising.

Their mission is to offer a model of financing that adapts to a company's management, rather than reshaping the company to fit traditional financing methods. Karmen also offers tools and resources including white papers, calculators, guides on company financing and invoice financing, case studies, and a cash flow management tool called KarmenForecast. They have already assisted over 600 companies, ensuring a quick and adaptable financing experience.

Their recent raise of €100 million in debt from Fasanara Capital enables them to provide financing under competitive conditions.

What they say:

We fund recurring models (SaaS companies, D2C Subscriptions, Service businesses) with at least $10k MRR.