Florent Bronchain

CIC (Crédit Industriel et Commercial) is one of the main French banking groups. Founded in 1859, it supports individuals, professionals, businesses, and associations with a complete range of financial services: everyday banking, credit, savings, insurance, asset management, and business financing.

With a network of branches across the country and a strong regional presence, CIC distinguishes itself through its proximity to its clients and its decentralized model, enabling quick decisions adapted to local realities.

As a subsidiary of the Crédit Mutuel Alliance Fédérale group, CIC combines financial strength, sector expertise, and digital innovation to sustainably support the personal and professional projects of its clients.

Karmen is a French fintech company specializing in simplified and digitized business financing. It offers fast and flexible financing solutions, including short-term loans, invoice advances, and Revenue Based Financing (RBF), enabling SMEs and VSEs to access funds to support their growth, finance their cash flow, or their investments without capital dilution or heavy banking procedures.

The 100% online platform offers a simple application process: businesses can get a personalized response in less than 48 hours after submitting their financial data, with transparent terms, no application fees, and often no collateral required.

Karmen was founded in 2021 and has rapidly developed its business, supporting over 1,000 companies and raising tens of millions of euros in debt to expand its financing capacity. It relies on financial data analysis technologies (open banking) to optimize risk assessment and offer solutions tailored to the cash flow needs of business leaders.

Assystem is an international engineering, consulting, and project management group specializing in complex infrastructure, energy, industry, mobility, and advanced technologies. Founded in 1966 and present in over 20 countries, Assystem supports its public and private clients – institutions, operators, large industrial groups, and local authorities – throughout the lifecycle of their projects, from study and design to execution, commissioning, and operational support.

With multidisciplinary expertise in nuclear engineering, renewable energy, safety, digitalization, and critical infrastructure, the group contributes to the transformation of strategic sectors while integrating sustainability, efficiency, and safety considerations.

Assystem stands out for its ability to manage large-scale international projects, mobilize expert teams, and offer innovative solutions that address contemporary technological, environmental, and societal challenges.