If any furniture in your project is damaged, Enky will repair or replace it. Associated costs or penalties are charged to the end customer, ensuring your investment remains protected and your returns stay on track.
Risks and Special Cases
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What happens if the project’s furniture is damaged?
What happens if the project’s furniture disappears?
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.
What if a customer ends the contract early or goes bankrupt?
We secure a new tenant within 6 months while continuing to pay your interest. If we cannot, your capital is fully reimbursed.
How do you protect against client default?
Our business model and the nature of our assets enable us to effectively manage this risk:
- Defaults are rare – furniture is not typically subject to budget cuts.
- In the event of default, the furniture can be relocated to another client within weeks, ensuring uninterrupted interest payments.
- High margins provide a buffer: we source premium furniture at wholesale prices and resell at market price.
What happens if Enky defaults?
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.
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.
Is it safer to spread my investment across various different projects?
It’s not necessary. Unlike traditional crowdfunding, we do not transfer project risk to our investors — so whether you invest in one or several projects, the only possible risk is Enky's default. In that scenario, your investment is safeguarded by our capital protection mechanisms.
Learn more.
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