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The journey of a deal, from client identification to disbursement.

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Tutorial

https://www.loom.com/share/5676cd84532b443c84aa54651794f6f0

The steps

1. Identification → your Karmen App space automatically links you to the client.
2. Client documents → (to be filled in by you or your client):

• Company name
• NAF code
• SIREN number
• Annual revenue
• Amount requested
• ID card of the shareholders
• Proof of address < 3 months old for each shareholder
• Recent company bylaws (statuts)
• KBIS < 3 months old
• URSSAF compliance certificate
• Bank account details (RIB) for fund disbursement
• Last 6 bank statements (PDF, scans not accepted ❌)
• Latest tax return (liasse fiscale)

3. Open Banking connection → Invite your client to connect their banks. Only they can complete this step.
4. Analysis → Once the deal is complete, a final decision is made within 48h to 10 business days.
5. Disbursement → If approved, funds are paid out to the client.
6. Invoicing → Karmen shares the interest rate → you invoice your commission to Karmen.

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The simplest way to start: test it with a first deal.

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