{"id":6722,"date":"2022-11-27T11:00:19","date_gmt":"2022-11-27T10:00:19","guid":{"rendered":"https:\/\/www.sv-merker.de\/finanzierung-von-maschinen-und-anlagen\/"},"modified":"2022-12-30T17:34:31","modified_gmt":"2022-12-30T16:34:31","slug":"machines-funding","status":"publish","type":"post","link":"https:\/\/www.sv-merker.de\/en\/machines-funding\/","title":{"rendered":"5 + 1 way your machines will help you get funding."},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow  av-small-hide av-mini-hide  avia-builder-el-0  el_before_av_section  avia-builder-el-first   container_wrap fullsize' style=' '  ><div   data-size='featured_large'  data-lightbox_size='large'  data-animation='fade'  data-conditional_play=''  data-ids='6515'  data-video_counter='0'  data-autoplay='true'  data-bg_slider='false'  data-slide_height=''  data-handle='av_slideshow_full'  data-interval='5'  data-class=' image_no_stretch'  data-el_id=''  data-css_id=''  data-scroll_down=''  data-control_layout='av-control-default'  data-custom_markup=''  data-perma_caption='aviaTBperma_caption'  data-autoplay_stopper=''  data-image_attachment=''  data-min_height='0px'  data-src=''  data-position='top left'  data-repeat='no-repeat'  data-attach='scroll'  data-stretch='image_no_stretch'  data-default-height='42'  class='avia-slideshow avia-slideshow-1  av-control-default av-default-height-applied avia-slideshow-featured_large av_slideshow_full  image_no_stretch avia-fade-slider '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 42%;' ><li  class=' av-single-slide slide-1 ' ><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img src='https:\/\/www.sv-merker.de\/wp-content\/uploads\/Maschinen-finanzieren-1500x630.png' width='1500' height='630' title='Machines funding' alt='5 + 1 way your machines will help you get funding.'  itemprop=\"thumbnailUrl\"   \/><\/div><\/li><\/ul><div class = \"caption_fullwidth av-slideshow-caption caption_right\"><div class = \"container caption_container\"><div class = \"slideshow_caption\"><div class = \"slideshow_inner_caption\"><div class = \"slideshow_align_caption\"><div class='avia-caption-content  '  itemprop=\"description\"  ><p>Looking for a gold donkey? Take a look at your machines and equipment and read our article!<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<div id='av_section_1'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-1  el_after_av_slideshow_full  el_before_av_section   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div  style='height:40px' class='hr hr-invisible   avia-builder-el-2  el_before_av_four_fifth  avia-builder-el-first '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div>\n<div class=\"flex_column av_four_fifth  no_margin flex_column_div first  avia-builder-el-3  el_after_av_hr  el_before_av_one_fifth  \" style='background: #f8f8f8; padding:50px 50px 20px 50px ; background-color:#f8f8f8; border-radius:0px; '><p><div  style='padding-bottom:0px; ' class='av-special-heading av-special-heading-h1  blockquote modern-quote  avia-builder-el-4  el_before_av_textblock  avia-builder-el-first  '><h1 class='av-special-heading-tag  av-mini-font-size-overwrite av-mini-font-size-24'  itemprop=\"headline\"  >5 + 1 way your machines will help you get funding<\/h1><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:18px; '  itemprop=\"text\" ><p><em>27th November 2022 by P. Merker<\/em><\/p>\n<p><span style=\"color: #90111c;\">Managing investments, securing liquidity<\/span> &#8211; even in &#8220;normal&#8221; times, it is a challenge for every entrepreneur to solidly finance his current expenses and machinery.<\/p>\n<p>Even though one may wonder when there have ever been &#8220;normal&#8221; times, many additional hurdles are piling up right now in front of the medium-sized company that wants to keep its finances in order.<\/p>\n<p><span style=\"color: #90111c;\">Inflation<\/span> is driving up prices and unsettling buyers and customers, <span style=\"color: #90111c;\">interest rates are rising<\/span>, and <span style=\"color: #90111c;\">future energy costs<\/span> are almost impossible to calculate. Even for companies that can easily pass on increased costs, liquidity is getting tighter. This is due, for example, to the fact that <span style=\"color: #90111c;\">sales tax<\/span> &#8211; which has to be financed in advance &#8211; is rising along with prices. And <span style=\"color: #90111c;\">banks<\/span> are being <span style=\"color: #90111c;\">more<\/span> <span style=\"color: #90111c;\">stingy<\/span> than ever with credit lines &#8211; instead of expanding them, they are more likely to cut them.<\/p>\n<blockquote>\n<p>Currently, 24.3 percent of businesses currently negotiating their credit needs report significant reluctance on the part of banks &#8211; the highest figure since 2017, according to a survey by the Munich-based Ifo Institute.<\/p>\n<\/blockquote>\n<p>Lack of or insufficient <span style=\"color: #90111c;\">collateral<\/span> is often one of the biggest obstacles to credit:<\/p>\n<blockquote>\n<p>In a business survey conducted by the DIHK in the summer of 2021, for example, one-fifth of medium-sized companies (20-199 employees) said that collateral was the biggest challenge in obtaining debt financing.<\/p>\n<\/blockquote>\n<p>Many of our customers confirm this: the banker waves off the idea or raises his hands helplessly when the <span style=\"color: #90111c;\">machinery is offered as collateral.<\/span> In many cases, this is simply because the banks lack the know-how and the intellectual access to the equipment. As grandfather used to say: &#8220;Wat de Buer nich kennt, dat frett he nich &#8230;&#8221; (What the farmer doesn&#8217;t know, he won\u2019t eat).<\/p>\n<p>This is all the more astonishing given that machinery financing still accounts for the <span style=\"color: #90111c;\">lion&#8217;s share<\/span> of <span style=\"color: #90111c;\">investment financing.<\/span><\/p>\n<\/div><\/section><\/p><\/div><div class=\"flex_column av_one_fifth  av-hide-on-mobile  no_margin flex_column_div   avia-builder-el-6  el_after_av_four_fifth  avia-builder-el-last  \" style='background: #d9dadc; padding:50px 50px 20px 50px ; background-color:#d9dadc; border-radius:0px; '><div  class='avia-image-container  av-styling-no-styling    avia-builder-el-7  avia-builder-el-no-sibling  avia-align-left '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img class='avia_image' src='https:\/\/www.sv-merker.de\/wp-content\/uploads\/10-687x1030.png' alt='machines funding' title='machines funding' height=\"1030\" width=\"687\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_2'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-8  el_after_av_section  el_before_av_section   av-small-hide av-mini-hide container_wrap fullsize' style='background-color: #d9dadc;  '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_two_third  no_margin flex_column_div first  avia-builder-el-9  avia-builder-el-no-sibling  \" style='background: #d9dadc; padding:50px 50px 20px 50px ; background-color:#d9dadc; border-radius:0px; '><p><div  class='avia-image-container  av-styling-no-styling    avia-builder-el-10  el_before_av_textblock  avia-builder-el-first  avia-align-center '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img class='avia_image' src='https:\/\/www.sv-merker.de\/wp-content\/uploads\/machinery-funding-1030x637.png' alt='Machinery Funding' title='Machinery Funding' height=\"637\" width=\"1030\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:16px; '  itemprop=\"text\" ><p><em>Source: Statista on the basis of Bankenfachverband, own presentation<\/em><\/p>\n<\/div><\/section><\/p><\/div><\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='1'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-12  el_after_av_section  el_before_av_four_fifth   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_four_fifth  no_margin flex_column_div first  avia-builder-el-13  el_before_av_one_fifth  avia-builder-el-first  \" style='background: #f8f8f8; padding:50px 50px 20px 50px ; background-color:#f8f8f8; border-radius:0px; '><p><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:18px; '  itemprop=\"text\" ><p>Time to show the promised paths:<\/p>\n<\/div><\/section><br \/>\n<section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:18px; '  itemprop=\"text\" ><h2><strong>Table of contents<\/strong><\/h2>\n<p><a href=\"#2\"><span style=\"color: #5f6062;\">The modified classic: bank financing with machine valuation<\/span><\/a><\/p>\n<p><span style=\"color: #5f6062;\"><a style=\"color: #5f6062;\" href=\"#3\">Oldie but Goldie: Sale and lease back<\/a><\/span><\/p>\n<p><span style=\"color: #5f6062;\"><a style=\"color: #5f6062;\" href=\"#4\">Goldie II: Hire-purchase, financing purchase or sale &amp; buy back<\/a><\/span><\/p>\n<p><span style=\"color: #5f6062;\"><a style=\"color: #5f6062;\" href=\"#5\">Goldie III: Asset based finance<\/a><\/span><\/p>\n<p><span style=\"color: #5f6062;\"><a style=\"color: #5f6062;\" href=\"#6\">The modern way: Pay-per-use<\/a><\/span><\/p>\n<p><span style=\"color: #5f6062;\"><a style=\"color: #5f6062;\" href=\"#7\">Bonus path: subsidies<\/a><\/span><\/p>\n<\/div><\/section><\/p><\/div><div class=\"flex_column av_one_fifth  av-hide-on-mobile  no_margin flex_column_div   avia-builder-el-16  el_after_av_four_fifth  avia-builder-el-last  \" style='background: #d9dadc; padding:50px 50px 20px 50px ; background-color:#d9dadc; border-radius:0px; '><div  class='avia-image-container  av-styling-no-styling    avia-builder-el-17  avia-builder-el-no-sibling  avia-align-left '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img class='avia_image' src='https:\/\/www.sv-merker.de\/wp-content\/uploads\/2-1-687x1030.png' alt='machines funding' title='machines funding' height=\"1030\" width=\"687\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='after_section_3'  class='main_color av_default_container_wrap container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'><\/p>\n<div class=\"flex_column av_four_fifth  flex_column_div av-zero-column-padding first  avia-builder-el-18  el_after_av_section  el_before_av_section  avia-builder-el-no-sibling  \" style='border-radius:0px; '><p><div  style='padding-bottom:0px; font-size:24px;' class='av-special-heading av-special-heading-h3  blockquote modern-quote  avia-builder-el-19  el_before_av_codeblock  avia-builder-el-first  av-inherit-size '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Our best tips and information about your machines, plants and equipment &#8211; once a month directly to your mailbox!<\/h3><div class='special-heading-border'><div class='special-heading-inner-border' ><\/div><\/div><\/div><br \/>\n<\/p><\/div>\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='2'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-21  el_after_av_four_fifth  el_before_av_section   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_four_fifth  no_margin flex_column_div first  avia-builder-el-22  el_before_av_one_fifth  avia-builder-el-first  \" style='background: #f8f8f8; padding:50px 50px 20px 50px ; background-color:#f8f8f8; border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:18px; '  itemprop=\"text\" ><h2><strong>1. T<\/strong>he modified classic: bank financing with machine valuation.<\/h2>\n<p>Works more often than you think: If your company has machinery and equipment, obtain a <span style=\"color: #90111c;\">current asset valuation<\/span>.\u00a0 This helps in the first step to<\/p>\n<ul>\n<li>Document the assets of your company<\/li>\n<li>Adjust the book values in your balance sheet to realistic market values.<\/li>\n<\/ul>\n<p>With a machinery valuation, you provide <span style=\"color: #90111c;\">evidence of the existing assets<\/span> in your business.<\/p>\n<p>If you have already taken out loans and credit, the bank can use the information documented in the appraisal to determine <span style=\"color: #90111c;\">how much equity<\/span> you may (or may not) have already accumulated.<\/p>\n<p>Furthermore &#8211; and this is the core &#8211; the valuation contains <span style=\"color: #90111c;\">estimates of the fair value of the machinery and equipment<\/span>.<\/p>\n<blockquote>\n<p>These provide a much more accurate picture of the financial health of your business than pre-determined depreciation schedules.<\/p>\n<\/blockquote>\n<p>Suitably qualified machinery and equipment valuation experts are recognized as credible service providers by most lending institutions as impartial third parties who have no interest in their own transactions.<\/p>\n<blockquote>\n<p>But careful! Talk to your bank beforehand, because they only accept appraisals that they have commissioned themselves!<\/p>\n<\/blockquote>\n<p>At the same time, the expert opinion can <span style=\"color: #90111c;\">determine the sum insured<\/span> for the machinery and equipment to be financed, so that you are adequately insured. Incidentally, this is also important for the financing credit institutions, which have to make sure that they are covered in the event of a loss (<span style=\"color: #90111c;\">Basel III<\/span>).<\/p>\n<h4><em><span style=\"text-decoration: underline;\">Improve conditions<\/span><\/em><\/h4>\n<p>You may get better conditions (<span style=\"color: #90111c;\">interest rates, repayment terms<\/span>) if you can prove the value of your machinery.<\/p>\n<p>The value of your machinery often also depends on the condition it is in at the time of valuation. Has the equipment been regularly maintained and repaired? If so, they will have a longer life and a higher value.<\/p>\n<p>An appraiser can <span style=\"color: #90111c;\">estimate the expected useful life of your equipment<\/span>.<\/p>\n<blockquote>\n<p>If you own a machine that is expected to be economically useful for another 20 years, but the bank has only offered you a 5-year term so far, documenting the expected life could allow the bank to extend the repayment period.<\/p>\n<\/blockquote>\n<\/div><\/section><\/div><div class=\"flex_column av_one_fifth  av-hide-on-mobile  no_margin flex_column_div   avia-builder-el-24  el_after_av_four_fifth  avia-builder-el-last  \" style='background: #d9dadc; padding:50px 50px 20px 50px ; background-color:#d9dadc; border-radius:0px; '><div  class='avia-image-container  av-styling-no-styling    avia-builder-el-25  avia-builder-el-no-sibling  avia-align-left '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img class='avia_image' src='https:\/\/www.sv-merker.de\/wp-content\/uploads\/3-1-687x1030.png' alt='machines funding' title='machines funding' height=\"1030\" width=\"687\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='3'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-26  el_after_av_section  el_before_av_section   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_four_fifth  no_margin flex_column_div first  avia-builder-el-27  avia-builder-el-no-sibling  \" style='background: #f8f8f8; padding:50px 50px 20px 50px ; background-color:#f8f8f8; border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:18px; '  itemprop=\"text\" ><h2>2. Oldie but goldie: Sale and lease back<\/h2>\n<p>When purchasing new fixed assets, you will almost certainly want to consider whether <span style=\"color: #90111c;\">leasing<\/span> is a worthwhile option. But you can also sell mobile fixed assets already in use to a leasing company and lease them back directly for further use.<\/p>\n<\/div><\/section><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='4'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-29  el_after_av_section  el_before_av_section   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_four_fifth  no_margin flex_column_div first  avia-builder-el-30  avia-builder-el-no-sibling  \" style='background: #f8f8f8; padding:50px 50px 20px 50px ; background-color:#f8f8f8; border-radius:0px; '><section class=\"av_textblock_section  av-mini-hide\"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:18px; '  itemprop=\"text\" ><h2>3. Goldie II: Hire purchase, financing purchase or sale and buy back<\/h2>\n<p>In the case of <span style=\"color: #90111c;\">installment plan,<\/span> the company remains the economic owner of the machines and retains them in the balance sheet. Legal ownership passes to the financing company and reverts to the company upon payment of the final installment. This is the reason for the similarity to a <span style=\"color: #90111c;\">classic financing purchase<\/span>.<\/p>\n<\/div><\/section><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='5'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-32  el_after_av_section  el_before_av_section   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_four_fifth  no_margin flex_column_div first  avia-builder-el-33  el_before_av_one_fifth  avia-builder-el-first  \" style='background: #f8f8f8; padding:50px 50px 20px 50px ; background-color:#f8f8f8; border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:18px; '  itemprop=\"text\" ><h2>4. Goldie III: Asset Based Finance<\/h2>\n<p><span style=\"color: #90111c;\">Short-term loans<\/span> secured solely by machinery and\/or inventory are often the specialty of alternative finance providers and an interesting <span style=\"color: #90111c;\">alternative to bank loans<\/span>.<\/p>\n<blockquote>\n<p>What these three financing methods (Goldie I to Goldie III) have in common is that, firstly, the focus is not on creditworthiness but on the company&#8217;s assets. Secondly, the fair values are lent on, not the book values.<\/p>\n<\/blockquote>\n<p><strong>An example:<\/strong><\/p>\n<p>Imagine a machine park that originally cost 20 million euros to purchase. The book value is now 5 million euros and the bank might accept 10% to 30% as collateral (i.e. a measly 1.5 million euros). On the other hand, a financier specializing in assets could accept the market value of the machines, e.g. 10 million euros, with 50% to 60% as collateral, i.e. 5 to 6 million euros.<\/p>\n<p>At this point we may again <span style=\"color: #90111c;\">charmingly bring our services into play<\/span>. Because:<\/p>\n<p>Before such a <span style=\"color: #90111c;\">financing alternative<\/span> can be considered, the machinery and assets must often first be released from other obligations. Often, e<span style=\"color: #90111c;\">xisting loans have to be restructured and collateral has to be released<\/span> by the banks.<\/p>\n<p>To this end, we have often valued machinery and assets, enabling banks to reduce both loans and collateral to a noticeable extent and paving the way for financing alternatives. Contact us!<\/p>\n<\/div><\/section><\/div><div class=\"flex_column av_one_fifth  av-hide-on-mobile  no_margin flex_column_div   avia-builder-el-35  el_after_av_four_fifth  avia-builder-el-last  \" style='background: #d9dadc; padding:50px 50px 20px 50px ; background-color:#d9dadc; border-radius:0px; '><div  class='avia-image-container  av-styling-no-styling    avia-builder-el-36  avia-builder-el-no-sibling  avia-align-left '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img class='avia_image' src='https:\/\/www.sv-merker.de\/wp-content\/uploads\/8-687x1030.png' alt='machines funding' title='machines funding' height=\"1030\" width=\"687\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='6'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-37  el_after_av_section  el_before_av_section   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_four_fifth  no_margin flex_column_div first  avia-builder-el-38  el_before_av_one_fifth  avia-builder-el-first  \" style='background: #f8f8f8; padding:50px 50px 20px 50px ; background-color:#f8f8f8; border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:18px; '  itemprop=\"text\" ><h2>5. The modern way \u2013 Pay per use<\/h2>\n<p>Although we cannot (yet) make a decisive contribution to this modern form of financing, we find it so exciting and promising that it should not be missed.<\/p>\n<p>The idea is impressively simple: The manufacturer provides the customer with a machine &#8211; <span style=\"color: #90111c;\">payment is only made for actual use<\/span>. Use can be charged according to <span style=\"color: #90111c;\">time<\/span> (&#8220;pay-per-hour&#8221;), per <span style=\"color: #90111c;\">manufactured part<\/span> (&#8220;pay-per-part&#8221;), and it is not unusual to combine this with a <span style=\"color: #90111c;\">basic fee.<\/span><\/p>\n<p>The first advantage is obvious, because as a company you <span style=\"color: #90111c;\">save high initial investment<\/span>.<\/p>\n<p>In uncertain times, this model can be particularly interesting, because it is not possible to estimate <span style=\"color: #90111c;\">how future capacity utilization will develop<\/span>.<\/p>\n<p>For manufacturers, this may open up completely new customer groups and the possibility of using a machine consecutively for several customers instead of selling it only once.<\/p>\n<p>This modern form of financing is made possible by <span style=\"color: #90111c;\">digitalisation<\/span>, because a great deal of usage data has to be exchanged between the manufacturer, the customer and any third parties involved.<\/p>\n<p>There are actually hardly any limits to the concrete form of the contracts. Financing partners can be involved who assume part of the risks and in return receive a financial share. Down payments, buy-back obligations, bonuses, services, etc. can be agreed &#8211; depending on the requirements and wishes of the parties involved.<\/p>\n<p>An interesting variant is offered by some banks, namely in such a way that <span style=\"color: #90111c;\">the amount of repayments is linked to utilization<\/span>. This allows finer <span style=\"color: #90111c;\">liquidity management.<\/span><\/p>\n<\/div><\/section><\/div><div class=\"flex_column av_one_fifth  av-hide-on-mobile  no_margin flex_column_div   avia-builder-el-40  el_after_av_four_fifth  avia-builder-el-last  \" style='background: #d9dadc; padding:50px 50px 20px 50px ; background-color:#d9dadc; border-radius:0px; '><div  class='avia-image-container  av-styling-no-styling    avia-builder-el-41  avia-builder-el-no-sibling  avia-align-left '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img class='avia_image' src='https:\/\/www.sv-merker.de\/wp-content\/uploads\/9-1-687x1030.png' alt='machines funding' title='machines funding' height=\"1030\" width=\"687\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='7'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-42  el_after_av_section  el_before_av_section   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div class=\"flex_column av_four_fifth  no_margin flex_column_div first  avia-builder-el-43  el_before_av_one_fifth  avia-builder-el-first  \" style='background: #f8f8f8; padding:50px 50px 20px 50px ; background-color:#f8f8f8; border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '  style='font-size:18px; '  itemprop=\"text\" ><h2>bonus path: Subsidies<\/h2>\n<p>The <span style=\"color: #90111c;\">funding jungle<\/span> in Germany (or anywhere else) is dense, but not impenetrable.<\/p>\n<p>We know this because we have been asked to evaluate <span style=\"color: #90111c;\">prototypes<\/span> a few times recently. The aim was to obtain <span style=\"color: #90111c;\">funding for development<\/span> to production maturity.<\/p>\n<blockquote>\n<p>We&#8217;d like to do that more often, because it&#8217;s an incredibly exciting task. On the other hand, no grant funding should fail because it is not possible to prove the value of the machines and prototypes to be funded to the granting agencies. So, give us a call!<\/p>\n<\/blockquote>\n<\/div><\/section><\/div><div class=\"flex_column av_one_fifth  av-hide-on-mobile  no_margin flex_column_div   avia-builder-el-45  el_after_av_four_fifth  avia-builder-el-last  \" style='background: #d9dadc; padding:50px 50px 20px 50px ; background-color:#d9dadc; border-radius:0px; '><div  class='avia-image-container  av-styling-no-styling    avia-builder-el-46  avia-builder-el-no-sibling  avia-align-left '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img class='avia_image' src='https:\/\/www.sv-merker.de\/wp-content\/uploads\/1-2-687x1030.png' alt='machines funding' title='machines funding' height=\"1030\" width=\"687\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='6'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-47  el_after_av_section  el_before_av_section   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div  style='height:100px' class='hr hr-invisible   avia-builder-el-48  el_before_av_one_fourth  avia-builder-el-first '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div>\n<div class=\"flex_column av_one_fourth  flex_column_div av-zero-column-padding first  avia-builder-el-49  el_after_av_hr  el_before_av_three_fourth  \" style='border-radius:0px; '><div  class='avia-image-container  av-styling-circle    avia-builder-el-50  avia-builder-el-no-sibling  avia-align-center '  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\"  ><div class='avia-image-container-inner'><div class='avia-image-overlay-wrap'><img class='avia_image' src='https:\/\/www.sv-merker.de\/wp-content\/uploads\/Ohne-Titel-1000-x-1500-px-2-300x300.png' alt='Philip Merker Expert for the appraisal of machinery and technical equipment' title='Philip Merker  Expert for the appraisal of machinery and technical equipment' height=\"300\" width=\"300\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><\/div><div class=\"flex_column av_three_fourth  flex_column_div av-zero-column-padding   avia-builder-el-51  el_after_av_one_fourth  el_before_av_hr  \" style='border-radius:0px; '><section class=\"av_textblock_section \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock  '   itemprop=\"text\" ><p>Philip Merker, MBA<\/p>\n<div>\n<div>\n<div>\n<h2><a href=\"https:\/\/www.sv-merker.de\/en\/\">Merker Industriebewertungen<\/a><\/h2>\n<\/div>\n<section>\n<div>\n<p>Certified expert for the evaluation of machinery and technical equipment (DIN EN ISO \/ IEC 17024)<\/p>\n<p>M\u00f6nckebergstra\u00dfe 5,20095 Hamburg<\/p>\n<p>Telephon +49 40 602 13 33<br \/>\n<a href=\"https:\/\/www.sv-merker.de\/en\/contact\/#contactform\">Email \u00adinfo@sv-merker.de<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div><\/section><\/div><div  style='height:100px' class='hr hr-invisible   avia-builder-el-53  el_after_av_three_fourth  avia-builder-el-last '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div>\n\n<\/div><\/div><\/div><!-- close content main div --><\/div><\/div><div id='av_section_11'  class='avia-section main_color avia-section-no-padding avia-no-border-styling avia-bg-style-scroll  avia-builder-el-54  el_after_av_section  avia-builder-el-last   container_wrap fullsize' style=' '  ><div class='container' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-6722'><div class='entry-content-wrapper clearfix'>\n<div  style='height:30px' class='hr hr-invisible   avia-builder-el-55  el_before_av_one_full  avia-builder-el-first '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div>\n<div class=\"flex_column av_one_full  flex_column_div av-zero-column-padding first  avia-builder-el-56  el_after_av_hr  el_before_av_hr  \" style='border-radius:0px; '><\/div><div  style='height:10px' class='hr hr-invisible   avia-builder-el-58  el_after_av_one_full  avia-builder-el-last '><span class='hr-inner ' ><span class='hr-inner-style'><\/span><\/span><\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":5,"featured_media":6516,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-6722","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/posts\/6722","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/comments?post=6722"}],"version-history":[{"count":9,"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/posts\/6722\/revisions"}],"predecessor-version":[{"id":6785,"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/posts\/6722\/revisions\/6785"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/media\/6516"}],"wp:attachment":[{"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/media?parent=6722"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/categories?post=6722"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sv-merker.de\/en\/wp-json\/wp\/v2\/tags?post=6722"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}