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Zimmer & Kreim Linxfour Michael Huth Klaus Kreim Lara Hubmann Paul Bruckberger
Published Jan 14, 2021
Author Pay-per-Wash revolutionises the car wash industry
4 Min

Two innovation leaders ignite growth turbo

Data-based win-win model

Fluctuations in orders inhibit the willingness of many production companies to invest and thus the innovative strength of the business location. The reason for this is as simple as it is serious: while sales can be very volatile, repayment rates for machinery and equipment remain constantly high and can cause liquidity bottlenecks.

Austrian fintech Linxfour addresses this dilemma with innovative financing that enables true utilisation-based repayment for machinery purchases. In this way, Linxfour aims to overcome investment hurdles for manufacturing companies and gives machine manufacturers from the cooperation network a decisive advantage in international competition.

Pay-per-use optimises liquidity and risk management

Pay-per-use financing reduces the utilisation risk of the buyer, preserves his liquidity and additionally achieves positive balance sheet effects under IFRS16. At the same time, it increases the sales opportunities of the machine manufacturer. On the one hand, because the flexible financing model enables operators to provide production capacity without having to make a direct investment - and on the other hand, because higher after-sales revenues can be achieved. "Unlike traditional banks, Linxfour combines modern financing with innovative risk management and actively goes to market with machine manufacturers. This is exactly what business people expect from modern financial services! With this in mind, we are already looking forward to many joint projects and successful cooperation," says Michael Huth, Head of Sales and Marketing at Zimmer & Kreim GmbH & Co. KG, praises the cooperation with Linxfour.

Zimmer&Kreim stands for innovation

"Zimmer&Kreim is one of the typical mechanical engineering companies from Germany that always manages to bring new and efficient production machines to the market through inventiveness and courage," says Bruckberger, describing the new partner. This time, however, Zimmer & Kreim is not bringing a new technology to the market, but has discovered a new business model for itself and its customers: "pay-per-use" - where the repayment of the machine depends on actual use. "we have already gathered initial positive experiences in connection with pay-per-use with our customers. Now we are pleased to have found an innovative financing partner like Linxfour, who will roll out the pay-per-use concept with us," Huth is pleased about the newly acquired partner.

Linxfour takes financial services to a new level

Pay-per-use financing, based on secure Industrial Internet-of-Things (IIoT) technology combined with financing via a machine fund, is the real innovation.

"We buy the equipment from the manufacturer - the buyer pays a "usage fee", so to speak. Since it is possible for us to price the utilisation risk for similar types of machines based on the available data, we offer an assumption of the utilisation risk of up to 75 % as an additional added value", - Bruckberger and Steffens explain.

The financing tool "Click & Finance" completes Linxfour's service package and makes it a real point-of-sale financing. Because with the software, the fintech gives its cooperation partners the opportunity to process financing requests in an uncomplicated way and to calculate financing options at the point of sale and conclude contracts.

About Zimmer&Kreim GmbH & Co. KG

They have grown continuously since the foundation. Today, Zimmer&Kreim is the leader in the field of EDM machines in Germany and the global technology leader in the field of software-supported automation for tool and mould making. This is reflected in successful developments such as the electrode plate changer, the genius control system and various software modules from the ZK series. Last but not least, their Chameleon handling system has given this company the decisive breakthrough on the international markets. With this and the far-sighted further development of the software, they have distinguished themselves worldwide as process optimisers. Today, Zimmer&Kreim is represented in more than 30 countries: Around the globe, their customers rely on the economic power of the company.

About Linxfour GmbH

Linxfour is a European leasing company, based in Austria, providing Pay-per-Use financing solutions to manufacturing companies. Using proprietary IIoT (Industrial Internet of Things) technology and AI-driven risk management, we are unique in underwriting true utilisation risk. Operating across different countries and industries, we are committed to helping businesses finance equipment with our unparalleled solution.

Linxfour: Transforming Equipment Finance