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.
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.
1. Select a project on our Enky Invest platform.
2. Choose the amount you want to invest, the interest rate, and the duration.
3. Manage and track your return via the investor dashboard.
We require a minimum investment of €500.
Because Enky assumes all project risk, your only potential exposure is Enky’s own default. To protect investors, we’ve implemented two key safeguards:
Pledge of furniture – For Subscription and Furniture Stock projects, the financed furniture is pledged as collateral, with a market value at least 30% higher than the investment amount it secures.
Pledge of rents – For Subscription and Leasing projects, future rental income is pledged as collateral, with a 20% safety margin.
These protections are held in a distinct legal structure with investors (you) as the sole, and therefore first-ranking, creditors.
