Invest in sustainable furniture and earn up to 9%
Tangible assets, real impact. Profit and purpose, all in one.
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Investing involves risks, including the risk of capital loss
What you could earn by investing with Enky
Featured in top specialised press
100€ to 300€ on your first investment
As part of the {sponsor} community, you can benefit from a dedicated credit to help you with your first investment.
Why invest with Enky?
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Up to 9% annual returns, fee-free
Resulting from strong structural profitability and a high intrinsic value asset.
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Capital protection mechanisms
Financing backed by a highly exploitable asset, essential to our clients' operations, with contractually agreed monthly payments.
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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.
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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
Strong results. Real-world impact.
- + 5 200investors
- + 15M€invested
- + 180projects furnished
A model designed to protect investors
We assume the risk of customer default*
Unlike crowdfunding or fractional property platforms that transfer risk to the final investor, Enky absorbs the risk of customer default by offsetting it against its own margin.
Returns maintained, capital security
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.
Investing involves risks, including the risk of capital loss.
What your investment could earn
Turn your savings into monthly income. Adjust the simulator to explore your potential returns.
By investing with Enky in a furniture project…
Current financing projects.
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Office
furniture stock
Interest rate 8 %Duration 24 monthsReimbursement Term50000€Financed100000€TotalCapital protected Security mechanisms similar to a trust arrangement protect investors' capital in the event of Enky's default. -
Guest house
space
Interest rate 7,5 %Duration 12 monthsReimbursement Term12500€Financed50000€TotalCapital protected Security mechanisms similar to a trust arrangement protect investors' capital in the event of Enky's default. -
Design openspace
Interest rate 8 %Duration 24 monthsReimbursement Term37000€Financed50000€TotalCapital protected Security mechanisms similar to a trust arrangement protect investors' capital in the event of Enky's default. -
Vintage furniture
stock
Interest rate 9 %Duration 36 monthsReimbursement Term60000€Financed80000€TotalCapital protected Security mechanisms similar to a trust arrangement protect investors' capital in the event of Enky's default. -
Modern office spaces
Interest rate 8,5 %Duration 36 monthsReimbursement Term15000€Financed60000€TotalCapital protected Security mechanisms similar to a trust arrangement protect investors' capital in the event of Enky's default.
An alternative investment, refined and hassle-free
speculative risk
They say it better than we do
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MarieInvestor Enky
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Noémie KempfInvestor
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Jérémy ThomasInvestor Smart Ventures
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Baptiste VergerInvestor Enky
Need help?
Here are our most frequently asked questions. If you need more information, please reach out.
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.
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.
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.
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.
Yes — our only requirement is a minimum investment of €500.
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.
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.
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.
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.
Enky Invest is an investment platform whose activity is 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.
Bond investments carry risks, including the partial or total loss of invested capital and illiquidity. See all identified risks.
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.