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Case Study

Business Case Tier 1 Automotive Supplier


Why pay-per-use financing?

If you use the equipment less, you have to pay less - it is as easy as that. Pay-per-Use financing allows equipment buyers (operators) to link its actual equipment utilization to the financing installments enabled by IoT-Data and secure connectivity. You decide about the flexibility of the payments. Choose a flexibility level between 25% and 75% and make your cash management resilient to any kind of production downtime or decrease in orders.

Pay-per-Use Financing

Utilisation and Payments Time
Machine Utilization Repayment Rate
  • Flexible repayment depending on the actual utilization of the equipment
  • Less usage leads to a lower repayment rate and vice-cersa

Traditional Financing

Utilisation and Payments Time
Machine Utilization Repayment Rate
  • Rigid payment rate independent of the actual utilization of the equipment
  • Equipment operators must pay every month the same repayment rate even if there’s less use

Click & Finance Online Calculator

As we see ourselves as the business that will flexibilize and simplify asset financing on a whole new level we challenge ourselves on a daily level to keep processes lean.

Our Click & Finance online calculator enables you to calculate your individual Pay-per-Use financing in less than two minutes including all necessary credit checks. Whenever you want, wherever you want: In three steps to your new equipment.

01

Financing request via OEM/Dealer/Operator

02

Instant Automatic Credit & Anti-Money Laundering Check (KYC, AML)

03

Receipt of the Financing Application

How do we refinance ourself
in the market?

Linxfour is backed by the Linxfour Equipment Fund which is only available for leading institutional investors. The Linxfour Equipment Fund enables us to transfer the utilization risk from the equipment buyer (operator) and OEM to third parties.

LKW in Grün
The OEM receives 100% of the retail price immediately from linx4 while the equipment buyer (operator) enjoys flexible financing as they repay linx4 for every unit produced. The significant part of the utilization risk is transferred to the fund which diversifies risk by holding equipment in several industries and countries. The transfer of the risk to the fund enables the equipment buyer (operator) to profit from new accounting and costing opportunities.
The OEM receives 100% of the retail price immediately from linx4 while the equipment buyer (operator) enjoys flexible financing as they repay linx4 for every unit produced. The significant part of the utilization risk is transferred to the fund which diversifies risk by holding equipment in several industries and countries. The transfer of the risk to the fund enables the equipment buyer (operator) to profit from new accounting and costing opportunities.
The OEM receives 100% of the retail price immediately from linx4 while the equipment buyer (operator) enjoys flexible financing as they repay linx4 for every unit produced. The significant part of the utilization risk is transferred to the fund which diversifies risk by holding equipment in several industries and countries. The transfer of the risk to the fund enables the equipment buyer (operator) to profit from new accounting and costing opportunities.