Strong results. Real-world impact.
Invest in sustainable furniture and earn up to 9%
Tangible assets, solid returns.
Profit and purpose, all in one.
Excellent
4,8
average rating
Trustpilot
What you could earn by investing with Enky
I want to invest
Duration of investment
36 months
Interest rate
8.5%
Featured in top specialised press
100€ to 300€ on your first investment
As part of our community, you can benefit from a dedicated credit to help you with your first investment.
Why invest with Enky?
Up to 9% annual returns, fee-free
Resulting from strong structural profitability and a high intrinsic value asset.
Capital
protected
Financing backed by a highly exploitable asset, essential to our clients’ operations, with contractually agreed monthly payments.
Real, direct impact on the environment
Contribute to the circular economy by funding furniture designed to last, be refurbished, and rented out for many years.
A tangible, stable, and non-speculative asset
Sustainable furniture is a solid underlying asset, whose value is expected to remain stable or even increase over time.
Numbers that make a difference
+ 3 800
investors
+8M€
invested
+110
projects furnished
A model designed to protect investors
We bear 100% of the client default risk*
Unlike crowdfunding or fractional property platforms that transfer risk to the final investor, Enky assumes 100% of the default risk.
Returns maintained, capital protected
Even in the event of a client default, Enky continues to pay you the monthly instalments. We take care of re-renting the furniture, and if that’s not possible, your capital is fully reimbursed.
because we can :
A high intrinsic value asset
Our sourcing expertise allows us to anticipate trends and select furniture that is built to last and can be refurbished. The result: a robust underlying asset whose value is expected to remain stable or even appreciate over time.
A tangible, stable, and non-speculative asset
Professional furniture is an essential asset for our clients’ operations. It has a high occupancy rate, is easy to redeploy, and is uncorrelated with financial markets.
Optimised profitability to protect you
Our unique positioning enables us to negotiate furniture under advantageous conditions. This purchase performance acts as an operational safeguard to protect your interests and capital—even in uncertain circumstances.
*save in the case of Enky's default.
Security mechanisms similar to a trust arrangement are in place to protect investors’ capital in the event of Enky’s default.
What your investment could earn
Turn your savings into monthly income with a secured, high-yield investment. Adjust the simulator to explore your potential returns.
By investing with Enky in a furniture project…
I want to invest
Duration of investment
36 months
Interest rate
8.5%
Current financing projects.
Paris
Furniture stock
Office
furniture stock
Interest rate
8 %
Duration
24 months
Reimbursment
Term
50 000€
Financed
100 000€
Total
Capital protected
Brussels
Subscription
Guest house
space
Interest rate
7,5 %
Duration
12 months
Reimbursment
Term
12 500€
Financed
50 000€
Total
Capital protected
Marseille
Subscription
Design openspace
Interest rate
8 %
Duration
24 months
Reimbursment
Term
37 000€
Financed
50 000€
Total
Capital protected
Geneva
Furniture stock
Vintage furniture
stock
Interest rate
9 %
Duration
36 months
Reimbursment
Term
60 000€
Financed
80 000€
Total
Capital protected
Lexembourg
Subscription
Modern office spaces
Interest rate
8,5 %
Duration
36 months
Reimbursment
Term
15 000€
Financed
60 000€
Total
Capital protected
An alternative investment,
refined and hassle-free
Fractional Real Estate
Property Crowdfunding
REITs (SCPI)
Stock Market
Net Return
8%
6,6%
9% - 11%
4,5%
5 - 6 %
Average Term
15 months
6 - 10 years
2 years
2 years
20 - 30 years
Default / Delay Rate
0%
3 - 4%*
12 - 20%
12 - 20%
-
Fees
0%
5 - 10%
0%
15 - 20%
0 - 3%
Protection against customer default
No
No
No
No
Absence of
speculative risk
speculative risk
No
No
No
No
AMF Compliance
They say it better than we do
Mattis
Investor
Jérémy Thomas
Investor Smart Ventures
Marie
Investor Enky
They invested
It’s always nice when others are singing our praises.
FAQs
Find answers to your most pressing questions about our Invest offering.
What is Enky Invest?
Enky Invest is our crowdlending platform that allows you to finance our furniture and earn a share of the income it generates.
It's a means for Enky to finance the stock we need to operate, and an opportunity for you to earn a competitive return while financing a more circular economy.
Is Enky Invest comparable to a fractional real estate investment platform?
The two systems are similar, but we operate without the risks of the real estate sector.
- Investors co-finance the purchasing of an asset and receive a share of the rental income. But unlike real estate, there are no permit requirements, renovation works, or speculative risks involved.
- Furniture is an essential work tool for our clients, so the risk of default is negligible compared to real estate.
- We only select pieces that can be refurbished and used for many years. Rising raw material prices and inflation means the value of these assets also tends to remain stable.
Why should I invest with Enky?
Attractive returns: between 7–9% annually, paid monthly.
Capital protection: multiple layers of safeguarding, even in the event of Enky’s default.
Sustainable and transparent: directly finance the circular economy.
How does Enky Invest generate such high interest returns?
By choosing high-quality furniture, extending its lifespan, and ensuring maximum usage, we achieve optimal profitability.
- Purchase margin: We buy at 50% of market value on average
- Service margin: Clients also pay for services including logistics, maintenance, and damage cover
This generates a good profit margin with each project, allowing us to fairly reward our investors.
Do I qualify to be an investor?
Yes — our only requirement is a minimum investment of €500.
Are there any risks involved?
Unlike crowdfunding platforms, Enky bears 100% of the project risk. If the tenant defaults, we find a new one without interrupting interest payments or your capital will be refunded. If Enky itself were to default, there are two additional layers of capital protection.
Learn more.
When will I receive interest and capital repayment?
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.
How do I calculate tax on my Enky investments?
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 income and subject to corporate 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.
How do referrals on Enky Invest work?
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'll also receive credit of the same value.
Are you a Wealth Management Advisor ?
High-yield, capital-protected impact investments are now finally accessible for your clients.
Book a call
Enky Invest is an investment platform regulated by the AMF and operated by Enky Finance and Assets SA, which issues bonds to the public in accordance with French law (Monetary and Financial Code, Article L411-2). For this purpose, it has filed a Key Information Document (KID, available here) with the AMF, as well as an Information Note in Belgium (available here).
Bond investments carry risks, including the partial or total loss of invested capital and illiquidity. Learn more.
Please note that all investments on Enky Invest are carried out through a dedicated vehicle whose sole purpose is the holding of assets, thereby pooling all investors together.