Three engines, one underwriting standard.

Karncy Financing

Invoice & Accounts Receivable Financing

Short-term working capital against verified invoices. Self-liquidating on buyer payment.

• One product: invoice financing (invoice discounting against approved receivables)
• Funding against a raised invoice for goods delivered or services completed
• Short-term transactions, typically 30–90 days
• Self-liquidating: the invoice collection repays the exposure
• Verified receivables and confirmed buyer obligations
• Underwritten on buyer credit quality, not the seller's balance sheet
• Non-dilutive: no equity, no board seat, no change of control

Karncy Ventures

Managed Joint Ventures with SMEs

Managed JV with an SME on an assured project. Payout at close.

• Managed joint venture with the SME on a defined project
• Project selected for assured demand, viability and higher return potential
• Karncy participates as investor and comptroller, not a passive lender
• Comptroller control over compliance, banking and project cash flows
• Operational oversight and reporting alongside the SME's management
• Milestone-linked release of capital against verified execution
• Proceeds routed to controlled accounts and applied in agreed order
• Investor payout settled on project close

Karncy Equity

Strategic & Early-Stage Investments

Selective equity and convertible partnerships. Capped at a small sleeve of the Fund.

• Equity investments
• Convertible instruments
• Strategic partnerships
• Growth capital
• Milestone-based tranches

Strategic and early-stage investments are limited to no more than 10% of total committed capital.