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Enky is a subscription-based furniture solution for professionals — including offices, restaurants, hotels, and more. In practice, we purchase high-end furniture, whether new or vintage, and rent it out to businesses. At the end of each rental contract, we refurbish the furniture and lease it to a new client, following a circular economy model.

Enky Invest is our investment platform, designed to finance our furniture stock. Each project listed on the platform corresponds to a specific rental initiative within Enky’s core business.

By investing in a project on Enky Invest, investors (like you) finance part of the furniture and, in return, receive a share of the rental income generated by that project. Enky handles the sourcing of the furniture as well as the management of tenant clients.

We accept most types of high-quality furniture, from desks and chairs to lounge pieces and beds, as long as it’s in good condition and meets quality criteria. We’ll assess this during the valuation.

Because great spaces start with great design. We bring the furniture expertise, sourcing, and logistics, while architects bring vision and creativity. Together, we deliver sustainable projects with minimal hassle for the client.

When you invest, you buy bonds (unit value €1) linked to the rental income from a specific furniture project. There are no fees.

The bonds are recorded, registered and numbered in the account of the issuer.

You do not own the furniture but hold a financial right proportional to your investment, linked to the rental income. The investment is “direct” because Enky owns the furniture.

Typically, you can recover up to 90% of your furniture’s original value, depending on quality, brand, condition, and volume.

Any professional architect or interior designer who shares our commitment to responsible, circular design

No. By subscribing to the bonds issued by Enky, you hold a financial instrument that entitles you to a share of the income generated by our projects.

You do not become the legal owner of the furniture, but you benefit from its usufruct (right of use and right to receive income).

The subscription form and the bond agreement specify your rights. The ownership of bondholders is established through account registration.

Not at all. The furniture stays exactly where it is, there’s no disassembly, no transport, and no interruption to your daily operations.

- Access to client projects via Enky.

- Support for furniture sourcing, delivery, and installation.

- Visibility on our platform.

- Freedom: you choose which projects to accept.

Enky Invest operates like a fractional real estate platform, but without the risks of the real estate sector.

- You co-finance an asset and receive a share of the rental income. But here, it’s about durable furniture rented to businesses (offices, hotels, restaurants), with no permit requirements, no renovation work, and no speculative risks.

- Furniture is an essential work tool for our clients, so the risk of default is negligible compared to real estate.

- Furniture assets appreciate in value: we only select pieces that can be refurbished and used for many years. With rising raw material prices and inflation, the value of these assets tends to remain stable, or even increase.

You choose. We offer flexible terms typically ranging from 12 to 72 months depending on your needs.

Yes, joining is completely free.

By investing with Enky, you combine financial performance with a responsible business model:

Attractive return: between 7–9% annually, paid monthly

Capital protection: multiple layers of protection, even in the event of Enky’s default

Sustainable and transparent: you directly finance the circular economy of furniture

You’ll have several options: extend the lease, return the furniture, or purchase it at a reduced cost.

Fill out the online form. Our team will review your profile and get in touch to explore potential collaborations.

Door goed ontworpen meubilair te kiezen, de levensduur te verlengen en een maximaal gebruik te garanderen, behalen wij een optimale winstgevendheid waarmee wij onze investeerders eerlijk kunnen vergoeden:

- Aankoopmarge: meubilair aangekocht aan 30–50% van de marktprijs

- Servicemarge: klanten die het meubilair huren, betalen ook voor diensten (logistiek, onderhoud, schadeverzekering)

Dit levert ongeveer 60% nettomarge per project op, waardoor wij investeerders een rendement van 7–9% kunnen bieden.

Enky becomes the legal owner, and you lease it back through fixed monthly payments. This allows you to move the cost from your balance sheet to your operating expenses.

From offices and coworking spaces to hotels, restaurants, and real estate staging. Projects range from small refreshes to large-scale fit-outs.

1. Furnishing – We provide the furniture to our clients on a subscription basis.

2. Publication – The project is published on Enky Invest.

3. Selection – You choose the project, the amount, the rate, and the duration. Your investment finances the project’s furniture.

4. Monitoring – You manage and track your return via the investor dashboard.

We handle it. If anything breaks or needs upgrading during your lease, we’ll repair or replace it, no extra admin on your side.

Yes. You can use our furniture sourcing, subscription, and logistics services for your own clients.

Yes. Enky Finance and Assets SA issues bond securities to the public for up to €8M/year under French law (Monetary and Financial Code, Article L411-2) and has filed a Key Information Document (Document d’Information Synthétique) with the AMF.

Payments are handled by Revolut, authorised by the ACPR (registered under number 917 420 077). The Enky Invest management team holds AMF certification.

As long as the total value of the furniture is over $10,000, our leaseback solution is open to businesses of all sizes.

We match you to projects based on your expertise, location, and availability — but you always decide whether to accept.

Yes — open to individuals and professionals. The minimum investment is $500.

Just book a free consultation. We’ll assess your furniture, provide a quote, and if you accept, you’ll receive funds shortly after and the lease begins.

- Hospitality – Hotels, resorts, hospitality projects

- Living – Residential, commercial, mixed-use properties

- Office – Offices and commercial spaces

The sector does not affect guarantees or returns.

Buying means a big upfront cost, limited flexibility, and waste when you need to change. With Enky, you:

- Keep your cash flow for what matters most.

- Adapt your furniture anytime as your business evolves.

- Reduce your tax bill — monthly fees are deductible.

- Make a sustainable choice with furniture that’s reused and refurbished, not thrown away.

Subscription – Furniture rental to a company, without a purchase option; the investment is backed by the stock and the rental contract; the return comes from the purchase margin and the rents.

Leasing – Furniture rental to a company with a purchase option; the investment is backed by the rental contract; the return comes from the purchase margin and the rents.

Furniture stock – Advance purchase of new or second-hand furniture with a better margin; the investment is backed by the stock; the return comes from the additional margin.

All projects benefit from our capital protection mechanisms and offer the same return.

We combine subscription-based furniture, circular buying, and an investment platform.

You get high-end, adaptable furniture without heavy investment, plus the option to buy or sell back. Every piece is refurbished and used again, cutting waste and extending its lifespan.

Bank transfer, processed securely via Enky Invest. SEPA Direct Debit is being finalised and will be available soon.

Anywhere in Europe. Have a project outside Europe? Let’s talk — we can often make it happen.

No entry fees or hidden charges. Enky earns revenue solely from its business clients.

Delivery time ranges from 2 to 8 weeks, depending on your order and the timelines from our brand partners.

- Second-hand and vintage items: ready within 2 weeks.

- New items: crafted to order for sustainability reasons, typically delivered within 6 to 8 weeks.

12 months for most projects, or 3–6 months for investments from $20,000. Longer terms may offer higher returns.

Everything — selection, sourcing, delivery, installation, repairs, and upgrades. We can even manage the entire project and coordinate with your architect, or connect you with one of our partner architects.

The minimum amount required to start investing is $500.

Only European brands with a track record in:

- Durability and repairability.

- Sustainable manufacturing.

- High-quality, timeless design.

Yes – handled confidentially and in full compliance with legal requirements.

We fight “fast furniture” waste — over 11 million tonnes per year — by:

- Renting instead of owning.

- Refurbishing instead of throwing away.

- Partnering only with responsible European suppliers.

- Giving every piece a second life, again and again.

Projects remain open until the goal is met, usually within a few hours.

We select pieces that:

- Are built to last and easy to refurbish.

- Have a style that works in multiple settings.

- Meet strict EU safety and environmental standards.

Unlike crowdfunding platforms, Enky bears 100% of the project risk.

If a tenant defaults, we find a new one without interrupting interest payments — or we reimburse your capital.

In the event of Enky’s default, two security mechanisms similar to a trust arrangement are in place to protect investors’ capital.

Investing carries a risk of capital loss. Learn more.

Absolutely. We tailor every project to match your needs and constraints. You can combine subscription-based furniture with purchased items in the same space — whether to meet budget targets, ownership preferences, or specific functional requirements. Our goal is to design a solution that works perfectly for your business, both operationally and financially.

It’s not necessary: the risk is already pooled across all our projects since we are the sole owner of 100% of the projects published. And unlike traditional crowdfunding, we do not transfer project risk to our investors.

Whether you invest in one or several projects, the risk level remains the same — that of Enky’s potential default — and it is mitigated by our capital protection mechanisms.

We work with all types of professional spaces: offices, hotels, restaurants, retail stores, coworking hubs, healthcare facilities, and more. Our solutions fit both new projects and refurbishments or layout updates.

Our business model and the nature of our assets allow us to assume this risk.

- Defaults are rare: furniture is not a budget adjustment variable.

- In case of default, we can relocate the furniture to another client within a few weeks, without interrupting interest payments: the furniture is standardized, mobile, and interchangeable.

- The high margins generated allow us to absorb these potential defaults: we select high-end furniture, purchased at wholesale prices (around 30% of market value) and resold at full price (driven by rising raw material costs, inflation, and refurbishment).

New, second-hand, or vintage — over 40 European brands, more than 1 million references, and a variety of styles to suit all needs.

'Since Enky assumes all project-related risk, your only exposure is the potential default of Enky itself.

To protect you in such a scenario, we have two strong legal mechanisms in place — comparable to a trust structure — providing:

- asset segregation,

- direct collateral through the rental contracts and the financed furniture,

investors’ priority rights.

Details of the two security mechanisms:

1) Pledge of rental income – The lease contracts signed with client companies are pledged for the benefit of investors.

In the event of Enky’s default, 100% of the remaining rental income is paid directly to them.

2) Furniture collateral – The financed furniture serves as security.

Once the rents have been collected, the furniture becomes the property of the investors, who can then sell it.

These two guarantees are further strengthened by a 30% safety margin on the underlying assets, which are legally ring-fenced from Enky’s own assets and ensure investors’ priority repayment.'

Furniture that meets our strict criteria: durability, repairability, compliance with European standards, timeless style, and adaptability to different spaces.

We secure a new tenant within 6 months while continuing to pay your interest. If we cannot, your capital is fully reimbursed.

Yes, you can combine new, second-hand, and vintage pieces in the same space, according to your needs, budget, and constraints.

In the unlikely event that the furniture in your project disappears, Enky will replace it at no cost to you. Your returns and portfolio will remain unaffected, as we act immediately to ensure the continuity and stability of your investment.

From contemporary to classic, including Scandinavian and industrial design — we work with a wide range of collections to suit all environments.

If the furniture in your project is damaged, Enky will repair or replace it, with penalties charged to the end customer. This guarantees your investment remains secure and your returns uninterrupted.

Yes, we also offer lighting, textiles, decorative accessories, and plants to complete your interior.

You can track and manage your investments anytime via the My.Enky app’s Investor Dashboard. It shows your projects, ROI, payment schedule, and all signed documents — giving you full visibility and control.

Yes! We source unique vintage pieces through our trusted network of professional dealers, auctions, and collectors across Europe. Every piece is carefully selected, restored when needed, and made ready for a new life in your space.

ROI depends on the project, typically ranging from 7% to 9%. Longer terms generally offer higher potential returns.

Absolutely. If you are a furniture brand that meets our quality standards, and would like to be distributed through Enky.

Interest is paid monthly. Most projects repay the capital at maturity, meaning at the end of the project.

Some leasing-type projects have monthly capital repayment, meaning each month along with the interest.

Yes, we work with professional vintage resellers to source unique, high-quality pieces. If you would like to collaborate.

Each investment is managed separately. Multiple investments — even within the same project — generate separate monthly payments.

Yes, all our contracts include damage cover, with quick repair or replacement in case of any issue.

Currently, your capital is returned to your bank account at project end, and you can reinvest manually. An auto-reinvestment feature is in development.

We only work with European brands known for their build quality, repairability, durability, and responsible production.

Funds remain invested for the duration you chose. Early withdrawal is not currently possible.

Yes, some of our partner brands allow us to create or adapt furniture to perfectly meet your needs.

No. All investments are nominative and non-transferable, ensuring clarity and security.

Yes, you can add furniture during the contract. Depending on the timing, this may generate a new contract and a new delivery.

No. All investments are nominative and non-transferable, ensuring clarity and security.

Yes, if you have a subscription with a purchase option, you can buy the furniture at its residual value at the end of the contract.

The interest rates on Enky Invest are shown gross (before tax).

Individuals –

- French tax residents: Interest is taxed at a flat rate of 30%, withheld at source and pre-filled in your tax return. If you are on the progressive tax scale, send us a sworn statement and we will pay you the gross interest.

- Non-French residents: No withholding tax; declare according to your local rules.

Companies –

Interest is treated as financial income and taxed under corporate tax or income tax, depending on your legal status.

Every January, Enky issues a tax summary to help you complete your declaration. For personalised advice, consult a tax professional.

A flexible alternative to traditional purchasing: you pay a monthly fee to use premium, new or refurbished furniture for 12 to 72 months, with or without a purchase option.

What documents should I send my accountant if investing through my company?

From your My.Enky account:

- Bond contract

- Subscription form

- Investment Information Note (France: DIS)

- Annual tax statement (France: IFU)

Also provide proof of payment for each investment. Check with your accountant which are required.

- No large upfront investment.

- Flexible: you can change or add furniture during the contract.

- Monthly payments are tax-deductible.

- Better environmental impact thanks to reuse and refurbishment.

- French tax residents: Tax is withheld at source and pre-filled; Enky issues an IFU each year until the end of your contracts.

- Non-French residents: No withholding tax; you only declare in the final year of the contract. Enky will issue an annual tax statement that year. Until then, interest is treated as deposits and not declared

Three options depending on your formula:

- Without purchase option: extend or return the furniture.

- With purchase option: buy the furniture at its estimated value.

- Circular purchase: you already own the furniture, with the option to sell it back to us within 10 years.

Our plans include a Damage Cover:

- Normal wear and tear: no charge.

- Major damage: we repair or replace, with a deductible of 10% of the damaged item’s price.

Yes — but only if you invest directly in Enky’s share capital during a capital raise, which may qualify for the French IR-PME scheme (18% income tax reduction). Bond investments in furniture projects do not offer additional tax benefits.

Yes. We design tailor-made solutions combining subscription, leasing, and purchase, according to your budget constraints and operational needs.

Click Referral in your Enky Invest account to find your personal link and share it with friends.

When someone registers through your link, they receive:

- $100 credit for investing $500–$2,000

- $200 credit for investing $2,000–$5,000

- $300 credit for investing over $5,000

Once their investment is completed, you also receive a credit of the same value.

You buy premium furniture, new or refurbished, and become its owner upon delivery. You can then sell it back to us within 10 years, at a price based on its condition and time of use.

No. Credits are not cumulative and must be used one by one.

- You immediately own your furniture.

- You can recover part of your investment through buy-back.

- You help reduce waste by extending the furniture’s lifespan.

Log into My.Enky, click Referral or go to Menu → My Credits / Referral. Your total credits are displayed in the bottom left of the page.

We assess the buy-back value based on:

- The condition of the furniture.

- The time since purchase.

- Market prices for similar pieces.

When subscribing to a project, enter your investment amount and click Apply to use your credit. The amount you pay will be reduced by the credit value.

It is refurbished by our teams, then added to our second-hand offer for a new user.

Yes. For example, you can buy certain key pieces and rent the rest for more flexibility and better budget management.

Yes. Delivery and installation are included in all our standard offers.

We can remove it for you as an optional paid service. Items are sent to partners for recycling or refurbishment. This option reduces waste and simplifies your project from day one.

Before signing, we provide an estimated delivery schedule. We only work with trusted partners and keep a close follow-up to ensure deadlines are met.

We adapt according to the scope of your project and agree together on the best organisation for your teams.

Your dedicated Enky contact person manages all follow-up, maintenance, and repairs throughout your contract.

Our subscription and leasing contracts include a Damage Cover:

- Normal wear and tear (small scratches, minor marks) → no extra charges.

- Major damage → repairs or replacements are billed with a deductible of 10% of the item’s value.

To report damage, send us photos/videos by email; our team will assess the best solution.

Two options:

- You already have an architect → we work with them.

- You don’t → we connect you with a designer from our Enky community, carefully chosen for your needs.

Yes. We can manage the full process — design, sourcing, delivery, installation, and coordination with all stakeholders.

Absolutely. We collaborate directly with your architect to ensure smooth communication and perfect execution.

Yes, we work with a network of trusted architects and interior designers. We match you with the right partner for your project style, scope, and budget.