Industry 4.0 and the developed technology of the Internet of Things are changing the global economy rapidly. Companies have completely new opportunities to sell their products and services. This creates new business models, such as p ay-per-use, in which billing is based on the data collected. In this paper, a way is being worked out how banks can use this data for themselves in order to offer their business customers new financing products. For this purpose, the requirements of companies

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... g to offer pay-per-use were addressed qualitatively. A financing model was then developed on the basis of this, which in turn was qualitatively assessed by banking experts. In a final online survey, the financing model was assessed quantitatively by the target group. In addition, the risks associated with the changes are discussed and proposed solutions for eliminating them are presented.