Circularity.fm

Description
Funding the assets is a prominent challenge for PaaS businesses. Assets have to be prefinanced, as customers only pay a monthly few.

Generally, three partners can provide support: venture capital investors, banks, and strategic partners, such as manufacturers.

In this episode, Lennert van Mens provides a bank's perspective on a PaaS business, including the overall business model, the cashflow design and the value generation.

This episode is the fifth in the series PaaS Decoded, 16 conversations about the fine details of product-as-a-service.

People
Lennert van Mens, Co-Lead ESG & Sustainable Finance Solutions Team, Commerzbank

Patrick Hypscher, Co-Founder of Green PO, Expert in Sustainable Business Models

Chapters
00:00 Intro
02:08 The right moment to contact a bank
07:25 The data a bank needs to assess the business
11:52 The specifics of circular businesses & leasing
22:05 Financing the assets
27:02 The PaaS valley of death
33:13 Cashflow design
36:45 Helpful financial instruments
39:41 The role of interest rates
43:42 The circular future is in B2B

About Commerzbank:
Commerzbank is a prominent European banking institution based in Frankfurt am Main, Germany. Established in 1870, it is one of the oldest banks in Germany and operates as a public limited company (Aktiengesellschaft). The bank offers a comprehensive range of financial services to private, entrepreneurial, and corporate clients, making it a key player in the German banking sector.

Further Links:
https://commerzbank.de/
https://neosfer.de/
https://impact-festival.earth

Transcript
See episode page for the full transcript https://circularity.fm/commerzbank-financing-a-paas-business/