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Enky helps businesses to furnish all sorts of spaces – offices, restaurants, hotels, etc. – in a more flexible and more sustainable way than the traditional purchase.

The 3 options we offer are:

- Subscription, which allows clients to pay for their furniture in instalments instead of buying it.

- Circular purchase, which allows clients to sell their furniture back to Enky within 5 to 10 years.

- Leaseback, which allows clients who already own furniture to sell it to Enky and keep using it against a monthly rent.

In all these scenarios, furniture can be new, used, or vintage, and at the end of each use cycle, we refurbish the pieces to lease them to a new client, thereby increasing their lifespan and reducing waste.

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.

If it's in good condition and meets our quality requirements, we accept most types of furniture — from desks and chairs to lounge pieces and beds.

Because great spaces start with great design. Enky combines their furniture expertise and knack for logistics with an architect's creativity and vision to deliver exceptional projects — providing a seamless, hassle-free service to our clients.

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 70% of your furniture’s original value, sometimes even up to 90% — depending on quality, brand and condition.

We look for architects and interior designers who share our commitment to responsible, circular design.

No. We issue bonds that entitle you to a share of the income generated by the projects you invest in. You have the usufruct but not full ownership.

No — all your furniture stays exactly where it is. There's no disassembly or transportation involved, so your daily operations can remain entirely uninterrupted.

As part of our designer community you can get direct access to new projects and boost your visibility on our platform.

We're also offer comprehensive support when it comes to furniture sourcing, delivery and installation. All professionals we work with are free to choose which projects they'd like to work on.

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.

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

Yes, joining is completely free.

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.

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

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

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.

Enky becomes the legal owner, and you lease it back through fixed monthly payments.

Our projects range from small refreshes to large-scale fit outs — working on everything from hotels and restaurants to co-working hubs and healthcare facilities.

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'll handle it. If anything breaks or needs upgrading during your lease, we'll repair or replace it — with 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.

Our only requirement is that the total value of the furniture is over €10,000.

We'll match you with projects based on your expertise, location, and availability — but it's up to you whether you choose to accept or not.

Yes — our only requirement is a minimum investment of €500.

Book a free consultation and we'll assess your furniture. If you decide to accept our quote, you'll receive funds shortly after and the lease begins.

Furniture for:

- Hospitality – Hotels and restaurants

- Living – Residential properties (B2B)

- Office – Workspaces

The same guarantees and returns apply to all sectors.

Buying furniture has some major drawbacks. Not only does it involve high upfront costs, but as your business grows and evolves you're stuck with pieces that may no longer suit your needs.

Enky offers more flexibility. With us, you can:

- Avoid major upfront payments with our monthly subscription model.

- Adapt your furniture as your needs shift.

- Reduce your tax bill — monthly fees are deductible.

- Furnish your space sustainably with pieces that are reused and refurbished.

Subscription – Enky supplies furniture to a client who pays a monthly subscription fee. The return is generated by the purchase margin and rent. The investment is secured by the stock and the rental contract.

Leasing – Furniture is rented out by Enky to a business who can choose to buy the pieces once their contract ends. The return is generated by the purchase margin and rent. The investment is secured by the rental contract.

Furniture stock – Advance purchase of new or second-hand furniture. The return is generated by the purchase margin. The investment is secured by the stock.

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

We provide our clients with furniture on a subscription basis, or sell it with a buy-back option that showcases our commitment to circularity.

Our customers get high-end, adaptable furniture without having to make a major financial investment, and they can return the pieces to us when they no longer need them. If they're renting, the items can be returned at the end of the initial contract, or after each renewal. If they chose the circular purchase option, they can sell the furniture back to us within 5 to 10 years. Every item is refurbished and used again, extending its lifespan and reducing waste as well as greenhouse gases emissions.

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

Anywhere in Europe. Got a project outside Europe? Let’s talk — there's a high possibility we can still make it happen.

None. There are no entry fees or hidden charges. Enky earns revenue solely from its business clients.

Delivery time typically ranges from 2 to 8 weeks, depending on your order:

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

- New items: made to order and typically delivered within 6 to 8 weeks.

Most projects have a minimum investment period of 12 months. For investments higher than €20,000, investment periods start from 3–6 months. Longer terms may offer higher returns.

We've got everything covered — selection, sourcing, delivery, installation, repairs, and upgrades. We can even coordinate directly with your architect, or connect you with one of our partner architects, to make sure your space gets furnished with the minimal possible effort on your end.

We require a minimum investment of €500.

We work exclusively with European brands who can showcase a commitment to:

- Durability and repairability.

- Sustainable manufacturing.

- High-quality, timeless design.

Yes, your personal data is handled with the highest level of security and confidentiality. We utilise encryption and robust security protocols to protect all information. We are fully compliant with the General Data Protection Regulation (GDPR) and all applicable legal frameworks, meaning your data will only be used as necessary for your investment and never shared without your consent.

We're on a mission to combat fast furniture.

Across the EU, over 11 million tonnes of furniture is thrown away each year. We’re working hard to provide an alternative to this wasteful model by promoting:

- Renting instead of owning.

- Refurbishing instead of throwing away.

- Partnerships with responsible European suppliers.

Projects remain open until the funding goal is met, which usually happens 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 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.

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. 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.

Our portfolio includes all kinds of spaces, both new and refurbished: from offices, hotels and restaurants, to shops, co-working hubs and healthcare facilities.

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.

Our catalogue features over a million different design configurations from more than 40 curated European brands — spanning new designs, second-hand furniture and vintage gems.

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.

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 freely combine new, second-hand, and vintage pieces to furnish a space that perfectly suits your needs and tastes.

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.

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

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.

Yes. Our catalogue includes lighting designs, textiles, and decorative accessories.

You can track and manage your investments anytime via the Investor Dashboard on my.enky.com. There, you'll find your projects, ROI, payment schedule, and all signed documents — giving you full visibility and control.

Yes. Through our Europe-wide network of professional dealers, auctioneers and collectors, we're able to source unique vintage furniture. Every piece is carefully selected, refurbished if necessary, and made ready for a new life in your space. Discover our vintage range here.

Your ROI will depend on the project, typically ranging from 7 to 9%. Longer terms generally offer higher returns.

We're always looking to form new partnerships with European brands that meet our quality and sustainability standards. Contact us here to learn more about getting your pieces distributed through Enky. We'd love to hear from you.

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. Contact us here to learn more about what we're looking for.

Each investment is managed separately. If you have multiple investments, even within the same project, you’ll receive separate monthly payments.

Yes. All our contracts include damage cover — with quick repairs or replacement in case of any issues.

Currently, your capital is returned to your bank account once a project comes to an end. But we're working on a feature that will let you reinvest it automatically in other projects.

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

Early withdrawal is currently not possible.

Yes. Some of our partner brands offer bespoke pieces or are able to adapt furniture to perfectly suit your needs.

No. All investments are non-transferable in order to ensure maximum clarity and security.

Yes. You are free to add furniture during your contract. Depending on timing, any additions may generate a new contract and a new delivery.

You can only cancel during the subscription process, before completing payment. You can do that by clicking 'Cancel' in your Enky Invest account.

Once payment is complete, you are set to receive monthly payments until the project's term. This is not reversible.

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 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.

It's a flexible alternative to buying furniture. Pay a monthly fee to equip your space with premium pieces (either new or refurbished) for between 12 and 72 months. And with our purchase option, you can choose to buy the pieces once your contract ends.

Check with your accountant what's required. On my.enky.com, you'll find the following documents:

- Bond contract

- Subscription form

- Investment Information Note (France: DIS)

- Annual tax statement (France: IFU)

You will also need to provide proof of payment from your bank for each investment.

- No large upfront investment.

- Flexibility — you can change or add furniture during your rental period.

- Monthly payments are tax-deductible.

- A sustainable alternative to ownership, with circular 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.

This depends on your chosen formula:

- Subscription without purchase option: return the furniture or extend your rental period.

- Subscription with purchase option: buy the furniture at its estimated value (or return it/extend your rental period).

- Circular purchase: you're able to sell back the furniture you've bought from Enky back to us within 10 years.

Our subscription plans include a Damage Cover:

- No charge for regular wear and tear.

- In case of major damage, we'll repair or replace the piece with a deductible of 10% of the 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.

I want to join the waiting list for Enky’s next capital opening.

Yes. You're free to buy certain key pieces and rent the rest for more flexibility and better budget management.

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.

This option allows you to purchase premium furniture from our catalogue, with the possibility to sell it back to us within the following 10 years. If you decide to sell, we'll offer you a price based on its condition and the length of time you've owned it for.

No. Credits are not cumulative and must be used individually.

You can, however, make several investments in a single project. This allows you to use multiple credits (one per investment) on the same project.

- Immediately own your furniture.

- Recover part of your investment through buy-back.

- 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 at the bottom left of the page.

We'll calculate the buy-back value of your piece based on:

- The condition of the furniture.

- The time since purchase.

- Market prices for similar pieces.

Just enter your investment amount when subscribing to a project, then click 'Apply Credit'. The system will automatically deduct your credit from the total you pay.

It is refurbished by specialists, then added to our second-hand range to find a new home with another of our customers.

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 extra. Items will be sent to partners for recycling or refurbishment.

Before the contract is signed, we'll provide an estimated delivery schedule. We only work with trusted suppliers and transportation partners, and keep a close eye on their operations to ensure deadlines are met.

We're able to fully adapt our service to ensure the minimum possible disruption to your daily operations. Together, we can create a plan that best suits your team.

Your dedicated Enky contact person manages all follow-ups, maintenance, and repairs for the duration of 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 photos/videos to your contact person and we'll assess the best solution.

If you already have an architect, we can work directly with them. If you don't, we can connect you with a designer from our community — taking great care to match you with someone who shares your vision and is perfectly equipped to create a space that suits your unique needs.

Yes. We coordinate and manage the full process — design, sourcing, delivery, and installation.

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