Welcome to the world of

Product-as-a-Service!

We offer financing
for your PaaS business.

Welcome to the world of

Product-as-a-Service!

We offer financing
for your PaaS business.

Let's get good things done.

What we do

We finance Product-as-a-Service

for any industry.

Product-as-a-Service offerings for any industry. With our innovative financing we can finance products valued from EUR 50 and up, making Product-as-a-Service offerings attractive to all companies in all industries!

Furniture-as-a-Service
Hardware-as-a-Service
Equipment-as-a-Service
Drones-as-a-Service
Mobility-as-a-Service

PaaS models work for all industries and will become dominant business model.

ECOSYSTEM

Current impact partnerships

Getting good things done

601

Objects financed

Est. 72 tons

CO2e emissions reduced

ECOSYSTEM

Current impact partnerships

Getting good things done

601

Objects financed

Est. 72 tons

CO2e emissions reduced

WHY PaaS

Product-as-a-Service

key enabler in shift from linear to circular.

Product-as-a-Service business models enables the inevitable shift from a linear take, make, waste economy to a circular take, make, reutilize economy. This creates an opportunity for companies to build truly sustainable businesses. To do this we need to shift the accountability and ownership of products from the customer to the producer, creating an incentive to produce products that have longer lifetimes and able to serve multiple customers.

With a PaaS offering, benefiting from the full life of your products, you can create a more sustainable, profitable and resilient business.

In a linear supply chain, the economy follows the take, make, waste approach: commodities are extracted from the earth, processed, assembled and sold to the market. After the sale the producer and distributor maintain no responsibility for the product. Most products eventually end up as landfill or are incinerated. There is a lack of incentive to produce durable products. By contrast, producers are incentivised to manufacture products which last for a short period of time to increase sales.

In a circular PaaS supply chain, the role of the retail/sales company is replaced by a service provider. Instead of paying for ownership of a product, in a PaaS business model the customer pays for access to the product together with the additional services provided. In contrast to a sales driven business model, in a PaaS business model service providers retain ownership of the products and are therefore incentivised to create value by offering high-quality, durable products that can be easily upgraded, repaired, refurbished and/or taken back at the end of their useful life.

Lisa& aims to be the key catalyst for the circular economy, enabling your business to drastically reduce CO2e emissions giving us a healthier planet.

Product-as-a-Service

will inevitably become dominant business model.

TODAY

- default for leading edge

90% of tech companies are embracing subscriptions

TOMORROW

- broad subscription adoption

75% of all consumer facing companies will offer subscription services

FUTURE

- a subscriber-centric world

>50% of all global gross domestic product made up of subscriptions

OUR OFFERING

We enable PaaS offerings

We support you in building a superior PaaS offering.

Product-as-a-Service financing
innovative financing tailored for Product-as-a-Service companies

Product-as-a-Service tech infrastructure
our tech infrastructure helps you launch and manage your Product-as-a-Service business

OUR OFFERING

We enable PaaS offerings

We support you in building a superior PaaS offering.

Product-as-a-Service financing
innovative financing tailored for Product-as-a-Service companies

Product-as-a-Service tech infrastructure
our tech infrastructure helps you launch and manage your Product-as-a-Service business

PaaS financing:

Innovative financing tailored for Product-as-a-Service

Tech driven credit engine tailored for PaaS models.
Our forward-looking credit engine is tailored for PaaS businesses, enabling higher volumes and better structured financing.

Works for all product values. Our tech enabled model allows us to finance product values from EUR 50 and up.

Flexibility to match end customer demand.
Flexible financing structures and contracts fully adapted to align with your sales cycles and customer demand.

Finance full product lifecycle. Our financing product enables you to own and have accountability for your product throughout its lifetime.

PaaS tech infrastructure

To help you launch and manage a Product-as-a-Service business.

Fleet Management
View PaaS deals and agreements
Manage leasing objects
Expand PaaS fleet
Joint Risk Dashboard
Vendor KPI collection and presentation
Advanced analytics
PaaS Financing on Auto-pilot
Define target KPI:s for long term financing partnership
Expand Lisa& financing limit

Get in touch to discuss Product-as-a-Service tech infrastructure!

PaaS gets good things done

Sustainable growth

Over past 9 years subscription businesses has grown 6x faster than traditional sales models

Good for our planet

From a linear to a circular business model through PaaS offerings your company can reduce CO2 emissions by at least 30%.

Sustainable value

Recurring revenue based business models are on average valued 8x higher than traditional transaction-based models.

Resilient business

Subscription models are more resilient in unpredictable markets: 12% revenue growth rate in 2020 vs. -1.6% for traditional businesses.

WHO WE ARE

About Lisa&

Lisa& was established with a core belief that there is a better world around the corner and we want to be the facilitator of change to take advantage of the opportunities that creates. By working together with our partners to adapt their business models to drive the circular economy agenda we can get good things done and attain our vision of a healthier planet and sustainable societies.

We take an active approach to change how we use our shared resources, together with our partners and smart technology. To ensure that future generations can call this Earth their home we need to work forcefully together to reduce our environmental footprint, while continuing to develop our societies.

It is up to us, businesses, to take advantage of the opportunities before us, understanding that change creates possibilities to prosper if we do good. Consumers and environmental activists are already doing their part and now they look to brands, services, and products to deliver more, to deliver good – let’s get good things done.

Lisa& has an experienced management team with over 50+ years in financial services and is building on that strong foundation in order to become the main catalyst towards a healthier planet. Lisa& is a registered financial institution under the supervision of the Swedish FSA.

Get in touch to learn more about Lisa&.

WHO WE ARE

About Lisa&