How a company comes
to own its robots.
Follow one example loan to its last payment.
The five steps
A company asks what it could borrow.
An example company wants 50 new robot arms at $125,000 each, $6,250,000 in all. Ferra checks the price. This example lends 70%: $4,375,000.
A lender says yes or no.
Ferra takes those numbers to lenders, and each decides for itself.
The lender pays the company.
The company gets $4,375,000, adds $1,875,000 of its own and buys the robots. It pays Ferra a one-time fee of $65,625.
Customers pay the company rent.
The robots work for customers, who pay rent. In our example that is $4,500 a robot, or $225,000 a month.
The company pays the lender back.
From that rent it pays about $121,500 a month, plus interest. After month 36 nothing is owed, and the company owns all 50 robots.