Pay-per-Use Equipment Finance

Partners and
Customers

Setting the bar

As the market leader in Pay-per-Use financing, we set new standards.

Industries financed

Available in 24 countries all over the world

More than 26 partnerships with global equipment manufacturers

Pay-per-Use financing for manufacturing equipment based on actual usage

Linxfour transforms equipment financing with Industrial IoT, benefiting equipment operators and equipment manufacturers.

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Linxfour for Equipment Operators

It is as straightforward as that. If operators use equipment less, they pay back less. Linxfour assumes up to 75% of usage risk without penalties or hidden cost.

Discover how off-balance sheet strategies, in line with IFRS16 and local GAAPs, can help you smoothly shift equipment spend from capital expenditure (CAPEX) to operational expenditure (OPEX) and improve financial efficiency.

Enjoy seamless cash flow enhancement. When production slows, payments reduce to maintain a steady cashflow. This lowers the total cost of ownership when production goals are not met.

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Linxfour for Equipment Manufacturers

Satisfy customer needs by offering an adaptable payment choice. Increase equipment sales with a customer-centric approach, meeting the growing demand for flexible financing solutions.

Increase your earnings by including required long-term service contracts and spare part provisions. Boost your revenues beyond initial sales.

Move forward with new equipment-as-a-service opportunities. Linxfour takes on financial and underutilization risks, reducing business uncertainty and creating new sources of revenue.

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Why are Equipment-as-a-Service (EaaS) models no longer optional?

Predictive maintenance can reduce machine downtime by 30 to 50% and maintenance costs by 10 to 40%.
White paper created in cooperation with our partner Black Winch.

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Mattias Bertoldi Managing Director Washtec

Testimonials

Pay-per-Use from Linxfour is an interesting financing model. Our customers have demanded this utilization-oriented form of financing more and more, especially since the 2022 energy crisis."

Our current Pay-per-Use customers have had very positive experiences with Linxfour's financing model so far, both in the course of the consultation, during processing and ongoing support. The off-balance sheet financing is one of the biggest advantages for our customers."

If the operator can share some risk, that is always a good thing. The carwash industry has a natural fluctuation due to weather conditions. So, this is often an issue for operators. After all, the risk of a rainy peak month with no revenue and fixed financing costs makes extra financial security quite desirable. With Pay-per-Wash in cooperation with Linxfour we are now able to offer a payment option to mitigate this risk."

Especially in times of unpredictable and volatile market demand, measures to minimise the risk of underutilisation come increasingly into focus. flexPay from KraussMaffei and Linxfour provides an effective solution."

At present, issues such as inflation and rising energy prices are dominating everyday business life. With "Heat-Exchange-as-a-Service" users can integrate heat exchange solutions for heat recovery into their processes in a plannable and cost-efficient manner without having to invest CAPEX through the cooperation with Linxfour. It was important to us to ensure a maximum product lifecycle and that our customers can rely on a carefree heat exchange service so that they can focus on their core processes."

The biggest advantage lies in the variable risk models. Customers decide themselves whether to hedge the under-utilisation of their investment, thanks to Linxfour’s Pay-per-Use model. Particularly interesting, therefore, is that customers have lower financing costs when their equipment is underutilized."