Stop financing your own customers.

We approve the programme before deployment and buy the hardware payment stream once each fleet is installed and accepted. You receive cash after site acceptance. You keep the customer, service and software revenue.

See if your fleet qualifies How the programme works

For manufacturers selling on subscription, whether the fleet is deployed or still in your pipeline.

Every robot you deploy is financed by your equity.

Your customer chose a subscription because they did not want to buy the machine. Without a fleet-finance partner, you become the lender by default.

01

The customer will not pay up front

That is why they chose RaaS. So you carry the hardware.

02

You wait years to earn it back

Cash that could build the next fleet remains parked in the last one.

03

Growth hits the balance-sheet ceiling

Not because demand disappeared. Because capital is tied up.

You built a robotics company. You are running a finance company.

We buy the hardware payment.
You keep the customer.

Without Spotlight, the hardware cash returns across the contract. With Spotlight, it comes back after site acceptance.

01

Quote with financing already in place

Your sales team can commit to a subscription without your balance sheet carrying it. We approve the programme up front.

02

A decision in five business days

Each deployment is reviewed against the agreed framework, compared with six to twelve weeks at a bank.

03

Install, accept, fund

Cash moves once each fleet is installed and formally accepted.

You keep
  • The customer contract and relationship
  • Service and software revenue
  • Renewals, expansion and upsell
  • Telemetry, operating data and brand
We take
  • Title to the financed hardware
  • The assigned hardware payment
  • A refundable cash holdback, returned at term

Spotlight buys and owns the payments. You are not being introduced to a lender and charged a fee for the introduction.

One payment now against many later.

Use the illustrative calculator to compare carrying the hardware payment yourself with receiving cash after site acceptance.

Model your deployment

Adjust assumptions

The implied annual rate your customer is paying on the hardware portion of their subscription. If you do not quote a rate, use the one your pricing implies.

Longer contracts return less cash today, because more of the payment stream is discounted for longer. It is not a judgement on the credit.

Cash after site acceptance $1,582,651 $39,566 per robot
Hardware value of the deployment
$2,000,000
Contracted hardware payments over 36 months
$2,256,218
Cash to you after site acceptance
$1,582,651
Refundable holdback, returned at term
$200,000

The self-funded total is larger because it includes the finance income you keep by carrying the payment yourself. It arrives in 36 monthly instalments, not today.

The holdback is returned at the end of the term, less any losses in the pool. It is part of your consideration, not a fee.

Illustrative USD model, not a quote or commitment. This model discounts at an indicative 16% annual rate; your grid rate is set per manufacturer following diligence. Indicative subscription structuring assumes hardware is 75% of the subscription payment. Actual pricing, currencies, jurisdiction and structure are set per manufacturer and deployment.

We finance track records, not demos.

What must be true

  • Installed and formally accepted before funding
  • Fixed minimum payments, 24 to 60 months remaining
  • Enterprise obligor in a supported jurisdiction
  • Redeployable, serviceable hardware
  • Proven fleet category

What we decline, even on good credit

  • Payments that do not displace a costed labour line
  • Franchisee obligors standing in for a rated parent
  • Deployments dependent on a revocable permit
  • Any single obligor above 15% of a pool
  • Contracts where hardware and service cannot be separated

The first programme is restricted to warehouse and logistics robots for homogeneity, not because other categories are uncreditworthy. Jurisdiction is assessed on contract enforceability, currency and local asset-sale treatment, and is not limited to the United States.

Questions your CFO will ask.

One-page brief

Take the programme to your next conversation.

A concise summary of the structure, eligibility and path from first call to repeat fleet funding.

What happens next

  1. 01

    A call

    We ask about your pipeline, your contract form and how you price. You ask us anything.

  2. 02

    An indicative view

    What a deployment funds at, and what would need to change if it does not fit.

  3. 03

    One agreement

    Signed once. Every accepted fleet funds under it, with a decision in five business days.

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