Pay-Per-Use Equipment Finance · Vendor & OEM Programmes

You Already Pay Per Use for Your Phone, Films and Car. Your Equipment Should Too.

Data you didn't use rolls over. A film you watch once costs the same as watching it ten times. A car subscription flexes with the miles. Somewhere along the way, heavy equipment finance stayed stuck on the fixed instalment. Oak Leasing brings the same simple, usage-linked logic to manufacturers and vendors across Europe — you pay for what the equipment actually does.

Speak to a European Funding Director Subscription vs Pay-Per-Use

PPU equipment finance — at a glance

€350k–€20mTypical PPU equipment value

30+European countries covered

40+Lenders in the funding network

33yrPan-European equipment finance experience

A Model We Already Trust

We All Live On Pay-Per-Use Already

Nobody buys a phone outright and pays a flat fee regardless of how much they use it — mobile plans flex with data and minutes. Nobody pays the same for a streaming subscription whether they watch one film or fifty. Car subscriptions increasingly price by mileage, not just by month. It is simply how we expect to pay for things we use unevenly.

Heavy equipment has not caught up. Most manufacturing and vendor finance still charges the same fixed instalment whether the machine ran flat-out or sat idle — a mismatch that shows up hardest in industries with fluctuating demand and real capital pressure.

PPU (pay-per-use) closes that gap: very simply, you pay as you use the equipment. It is not a new idea borrowed from consumer subscriptions — it is the same idea, applied properly to production assets. See also Industrial Robotics & Automation Finance for related vendor and receivables structures.

The Strategy

Subscription Is Simple. Pay-Per-Use Is Fair.

A subscription is a flat fee regardless of use — convenient, but blunt. PPU keeps that same simplicity while linking the bill to what the equipment actually delivers.

Flat Subscription / Fixed Instalment

Same Bill, However Much You Use It

One fixed monthly payment, regardless of output or downtime
Streaming, phone or car subscriptions — pay the same whether used heavily or barely
A quiet month costs exactly what a busy month costs
No direct link between the payment and what the asset actually produced

Pay-Per-Use (PPU) Equipment Finance

A Small Base, Then You Pay What You Use

A fixed base fee, plus a variable portion tied to actual usage
Measured in operating hours, volume produced, tonnes, kWh or agreed production levels
A quiet month costs less; a busy month funds itself from the output it creates
The payment tracks the machine's real contribution to the business

How PPU Works

Two Simple Components, One Monthly Rate

Every PPU agreement combines a fixed and a variable element — the same logic behind a mobile contract's line rental plus data, applied to production equipment.

Fixed Base Fee

Charged regardless of usage — it keeps the equipment on-site, insured and available, the same way a phone plan's line rental keeps the number live.

Variable Usage Charge

Billed against agreed units — operating hours, volume produced, tonnes, kWh or production levels — so the customer pays in proportion to output.

Who It Suits

Larger manufacturers and vendors with equipment valued €350,000–€20,000,000: heavy machinery, large plant, CNC equipment, airport GSE and production lines.

Why It Matters for Manufacturers & Vendors

PPU Sells Better Than a Purchase Price

Reduces Purchase Resistance

A usage-linked rate is a far easier commitment than a lump-sum purchase decision — the same reason a subscription converts better than an upfront sale.

Aligns Finance With Reality

Payments track fluctuating demand and output instead of assuming constant, full-tilt usage from day one.

Strengthens Vendor Sales

Sales teams lead with a PPU rate rather than a capital price, backed by a network of 40+ European lenders behind every deal.

How Oak Leasing Builds a PPU Programme

Five Steps From Concept to Live Programme

Vendor & Market Analysis

Sales cycles, equipment profiles and customer behaviour.

Programme Design

Co-branded, usage-based pricing, IFRS-aligned leasing.

Sales Team Training

Training to lead with PPU finance, not a price list.

Multi-Lender Funding

Access to a network of 40+ European lenders.

Lifecycle Support

Underwriting, documentation, onboarding, local-language support.

Benefits for Manufacturers & OEMs

What a PPU Programme Does for the Business

Beyond the individual sale, a PPU programme changes the shape of the business behind it.

Sell More

A more competitive offering at the point of sale
Lower barrier than a lump-sum capital decision
Backed by deep knowledge of vendor-finance psychology

Grow Faster

Expand into new European markets faster
Strengthen dealer and distributor networks
Proven, repeatable vendor-programme blueprint

Build Recurring Revenue

Usage-linked billing creates a recurring revenue stream
Modernises the offering with EaaS-ready finance models
Supports customers' own cash-flow needs

What Clients Say

Trusted Across the UK and Europe

"As a global leader in precision CNC manufacturing, ANCA provides our customers with vital production equipment and technology. Our clients need fast, flexible decisions to optimize their operations, and Oak has been a crucial partner in this process. Their professionalism and extensive funding network make them the ideal financing partner across Europe."

Martin WintersteinManaging Director, ANCA Europe GmbH

"John is one of the most honest and straight forward people I have had the pleasure to deal with. I would, without question, recommend John without hesitation."

Charles Towers ClarkCEO, Pod Group of Companies

Common Questions

PPU Equipment Finance FAQs

How is pay-per-use different from a subscription?

A subscription — a phone plan, a streaming service, a car subscription — charges the same fee whether you use it heavily or barely touch it. Pay-per-use (PPU) equipment finance combines a fixed base fee with a variable portion tied to actual usage: operating hours, volume produced, tonnes, kWh or agreed production levels. The customer pays more only when the equipment is earning more.

What equipment and transaction sizes suit a PPU structure?

PPU is designed for larger manufacturers and vendors with equipment valued between €350,000 and €20,000,000 — heavy machinery, large plant, CNC equipment, airport ground support equipment, and manufacturing production lines.

How does Oak Leasing help vendors set up a PPU programme?

Oak Leasing designs the whole programme: vendor and market analysis, co-branded programme design with usage-based pricing and IFRS-aligned leasing, sales team training to lead with PPU finance, funding through a network of 40+ European lenders, and ongoing multi-country lifecycle support including underwriting, documentation and local-language onboarding.

What is the minimum transaction size?

PPU programmes are typically structured for equipment between €350,000 and €20,000,000. Standard equipment finance starts from £100,000, and vendor programmes are considered from £10,000 upwards within an existing scheme.

PPU Is the Future — Oak Leasing Makes It Accessible

Bring Pay-Per-Use to Your Equipment Range

Tell us about your equipment, your sales cycle and your markets, and we'll design a PPU programme as simple as the subscriptions your customers already trust.

Speak to an Oak Leasing Arranger →