<aside> 📄
Karmen's two products summarized on one page: who to present them to, what they finance, and the key arguments. Use it in a conversation with a client.
</aside>
⚠️ The Loan and Factor PDF one-pagers are attached files in French and cannot be auto-translated. Links below point to the same source files — replace with English PDFs if you have them.
Short-term non-dilutive financing for businesses. Where banks are slow and equity dilutes ownership, Karmen finances tactical needs that can be activated several times a year.
| The Loan | The Factor | |
|---|---|---|
| Nature | Classic short-term loan | "Invisible" invoice factoring |
| Term | 3 to 12 months (up to 24) | 3 or 6-month credit line |
| Amount | Up to 10% of annual revenue | Up to 10% of revenue, capped at €500k |
| Use case | Inventory, marketing, hiring, cash flow | Invoice-by-invoice, revolving financing |