Initial assessment of the project
Book an appointment for a free, no-obligation introduction
IoT-based financing
Depending on the customer's objectives in conjunction with the design of various financing and risk transfer parameters, cap-on offers various structuring options. From simple pay-per-use leasing to complex asset-as-a-service off-balance sheet solutions, our customers benefit from cap-on's financing expertise. Take the pressure off your balance sheet, improve your cash flow, transfer operational risks and optimize your total cost of ownership.
CAPEX to OPEX in IFRS 16 environment
Optimization of TCO over the term of the investment
Transfer of operational risks to alternative risk carriers
Cash flow optimization through tailor-made solutions
01
Assets & Markets
Depending on the type of asset, industry, data connectivity, residual value development over the term, fungibility and recyclability, many assets are suitable for our pay-per-use leasing or asset-as-a-service solution.
With regard to the type of asset, production and logistics assets, high-quality medical and R&D equipment and infrastructure investments with fluctuating utilization rates and OEE risks are suitable for an AaaS model.
In terms of industries, those with high cyclicality and/or volatility, such as automotive, mechanical engineering or technology companies, are suitable. Also suitable are markets with a very high degree of innovation and at the same time limited, highly fluctuating or very long-term commercial use, such as medical technology, high-tech for research and development.
02
Pricing model
You decide which pricing model for the variable payment of your asset meets your objectives and needs. If you cannot find the right solution, cap-on also offers customized pricing solutions.
YOUR FLEXIBLE LIQUIDITY SOLUTION
- Fixed prime rate
- Variable rate (max. 50%)
- Dynamic price adjustment to capacity utilization during the term
- Sale-leaseback also possible
- Full amortization over term
- Residual value, redemption and purchase options can be flexibly configured
- Services provided by the system manufacturer as required
YOUR OFF-BALANCE SHEET SOLUTION
- Fixed prime rate
- Variable rate (min. 75%)
- Degressive price adjustment to capacity utilization during the term
- CAPEX to OPEX (in accordance with IFRS 16) possible
- Pure rental model
- Redemption or 2nd life of the asset possible
- Services provided by the system manufacturer as required
03
Structuring & Set Up
Depending on the model selected, asset users, asset manufacturers, financing partners or a special purpose vehicle (SPV) can own the asset.
Our project process
Target image of a
future structure
Due diligence by financiers
Implementation of the desired solution
Arrange appointments
Philipp Lenz
CEO
FAQ
What is an SPV and how does it work?
An SPV (Special Purpose Vehicle) is a legally independent entity that is established for a specific purpose, often for risk mitigation or project financing. In the case of asset-as-a-service financing, the SPV financed by lenders would buy the asset and make it available to the asset user. Ownership of the asset remains in the SPV but is managed by cap-on.
What is a CFO triangle and how does it work?
The CFO triangle refers to the link between the income statement, balance sheet and cash flow statement. The CFO triangle helps entrepreneurs to take the right measures to increase profitability and ensure sufficient liquidity.
What does "CAPEX to OPEX" mean under the IFRS 16 environment?
Capex-to-Opex means that traditional capital expenditure (CAPEX) for the purchase of assets is replaced by the use of assets as a service (OPEX). With asset-as-a-service, the asset user pays for the use and services of the asset. In accordance with IFRS 16, these payments are recognized as operating expenses (OPEX) instead of recognizing the assets as capital expenditure (CAPEX) in the balance sheet.
What does TCO mean and how is it calculated?
TCO stands for Total Cost of Ownership and refers to the total cost of owning a product or service over its lifetime. It is calculated as the sum of acquisition, operating and maintenance costs.
What does dynamic price adjustment mean?
Dynamic price adjustment refers to the flexible adjustment of the price per unit produced according to actual capacity utilization. This decreases with lower utilization and increases with higher utilization. This mechanism is used to calculate the variable rate for pay-per-use leasing.
What does degressive price adjustment mean?
Degressive price adjustment means that the price per unit produced decreases in relation to the cumulative total capacity utilization over the term. This decreases the more units are produced. This mechanism is used to calculate the variable rate for Asset-as-a-Service.
From what investment amount is financing with cap-on worthwhile?
Asset-as-a-Service offers exciting financing options in various configurations. The main advantages are the elimination of balance sheet-burdening investments and usage-based billing. cap-on offers customized financial products for your needs and helps machine and system users to achieve their financial goals.