Linxfour (formerly linx4) is anAustrian fintech and leasing company specializing in Pay-per-Usefinancing for industrial machinery.
Business Model
Pay-per-Use Financing: Unlike traditional leasing with rigid monthly payments, Linxfour allows operators to pay based on actual equipment usage (e.g., per hour, per item picked, or per unit produced).
Risk Underwriting: They are unique in the market for underwritingtrue utilization risk, assuming up to 75% of the risk if equipment is underused.
Technology Integration: Their model usesIndustrial IoT (IIoT)data and AI-driven risk management to monitor equipment productivity and automate billing.
