KarncySME Synergy Fund
Technology

Capital connected to cash-flow-backed SME opportunities.

The Karncy Platform is a technology-enabled marketplace designed to facilitate invoice financing, supply-chain financing and SME credit access. It supports investment origination, transaction onboarding, invoice verification, credit assessment, execution, portfolio monitoring and repayment tracking.

CAPITALKARNCY PLATFORMSME GROWTH
How it works

From transaction origin to capital recycling.

Every transaction moves through the same sequence, so origination, underwriting and monitoring are handled inside one operating workflow rather than across disconnected counterparties.

  1. 01

    SME / Transaction Origin

    Borrower, supplier or sponsor enters the Karncy pipeline.

  2. 02

    Karncy Platform

    Technology-enabled marketplace for SME credit access.

  3. 03

    Transaction Onboarding

    Counterparty, documentation and eligibility intake.

  4. 04

    Invoice / Receivable Verification

    Confirmation of the underlying receivable and debtor.

  5. 05

    Credit Assessment

    Borrower, debtor and transaction-level credit analysis.

  6. 06

    Investment Structuring

    Instrument, security package and pricing are structured.

  7. 07

    Fund Deployment

    Capital is deployed against the approved structure.

  8. 08

    Portfolio Monitoring

    Ongoing exposure, covenant and performance monitoring.

  9. 09

    Collections / Repayment Tracking

    Collections coordination and repayment tracking.

  10. 10

    Capital Recycling

    Realised capital is recycled into new transactions.

Portfolio construction

Portfolio architecture.

Core

Karncy Financing — Invoice & Receivables

Short-duration, self-liquidating exposures supported by verified receivables and debtor analysis.

Income / Managed Ventures

Karncy Ventures — Managed SME Joint Ventures

Ring-fenced joint ventures with established SMEs on assured projects, with Karncy as investor and comptroller over compliance, banking and project cash flows until payout at close.

Opportunistic

Karncy Equity — Strategic & Early-Stage

Equity, convertible instruments and growth capital — maximum 10% of committed capital.

Liquidity

Temporary Investments / Reserves

Cash and temporary investments held for working capital, reserves and transaction timing.

Strategic and early-stage investments: maximum 10% of committed capital.

Investment allocations are determined by the Manager and may change in response to market conditions, opportunities, regulatory considerations and portfolio requirements.

Risk discipline

Investment selection framework.

Four layers of assessment are applied to every transaction, from the borrower through to ongoing monitoring.

  1. 01

    Borrower

    • Financial performance
    • Management experience
    • Business viability
    • Cash-flow visibility
    • Market opportunity
  2. 02

    Transaction

    • Invoice verification
    • Debtor creditworthiness
    • Contractual enforceability
    • Transaction structure
    • Collateral protections
    • LTV considerations
  3. 03

    Portfolio

    • Sector exposure
    • Counterparty concentration
    • Geographic exposure
    • Liquidity
    • Diversification
    • Macroeconomic conditions
  4. 04

    Monitoring

    • Transaction monitoring
    • Repayment tracking
    • Portfolio analytics
    • Collections coordination
    • Ongoing credit review
For accredited investors

Request the Fund materials.

Access to the Private Placement Memorandum and related documents follows eligibility and accreditation verification.

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Accredited Investors Only | Private Offering | Subject to Definitive Offering Documents