Every throne collects a debt.
In a crumbling empire where faith is currency and family is collateral, one woman refuses to be written in another man's ledger.
Veil of Debt is 438 pages of dark fantasy that weighs what power costs when it changes hands. Sharp prose. Trauma-core narratives. A world that feels real long after you close the book.
5-Star Reviews
What Goodreads readers are saying about Veil of Debt.
"This book had me hooked from the start. It's so beautifully written with loads of emotion. The world-building is amazing."
"Amazing! I loved this book... couldn't put it down."
"This wasn't an easy read and I mean that in the best way. Heavy, emotional, with love and growth."
Meet Kat Francis
Kat Francis writes at the intersection of personal trauma and systemic power. With two decades spent sharpening prose in the dark, she crafts narratives where every word carries weight and every silence is intentional.
Her debut novel, Veil of Debt, introduces readers to a world built on faith, family, and the unspoken contracts that bind them. If you are looking for fantasy that respects your intelligence, you have found it.
"I don't write escapes. I write doorways—ones that lead through the dark, not around it."
For Readers Who Want More
If you loved Ninth House or The Poppy War and wanted the moral complexity without the filler, this is your next book.
Ninth House
Leigh Bardugo's dark academia meets occult power. Veil of Debt goes deeper into the cost of that power.
The Poppy War
R.F. Kuang's unflinching look at war and empire. Veil of Debt brings that same moral weight to a world ruled by faith and debt.
Gideon the Ninth
Tamsyn Muir's locked-tomb mystery with necromancers. Veil of Debt adds a ledger of flesh and a crown built on silence.
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Get in Touch
For press, collaboration, or to join the early reader list for Book 2.