Commercial Fleet & Asset Finance

Financing
big solutions
for big business.

Where traditional banks fall short, MarathonOne delivers. Specialist asset finance for South Africa's most ambitious operators — powered by 20 years of expertise and intelligent credit.

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Our Solutions

Five ways
we fund
your business.

Every South African business is different. We structure facilities around your cash flow, your assets and your growth plan — not a one-size-fits-all bank product.

01

Operating Lease

Use the asset without owning it. Preserve capital, keep your balance sheet clean, and upgrade when contracts end. The smart choice for businesses that move fast.

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02

Full Maintenance Lease

Finance and maintenance wrapped into one predictable monthly payment. Zero surprises, total control. Your fleet runs — we handle the rest.

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03

Finance Lease

Fixed monthly payments with ownership options at term end. Build equity in your assets while keeping cash flow predictable and manageable.

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04

Working Capital

Unlock liquidity against your existing fleet or equipment. Keep operations running, take on new contracts and fuel growth without diluting equity.

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05

Single Invoice Discounting New

You've delivered the work. Your debtor pays in 30, 60 or 90 days. We bridge the gap — cash against a single verified invoice, paid out in days. No long-term facility, no asset security. Fund one invoice or many: you choose, deal by deal, and we settle when your debtor pays.

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MarathonOne operations
Our Story
An innovative team with 20 years of expertise — and the courage to go where banks won't.

MarathonOne was built on a simple premise: South Africa's biggest and boldest businesses deserve financing that matches their ambition. We are not a bank. We are a specialist — which means we can move faster, think deeper, and say yes where others say no.

Our team brings two decades of commercial banking and credit experience to every deal. We understand the mining contractor who needs 12 graders by Monday. The transport company expanding its fleet for a new government contract. The manufacturer replacing ageing equipment to stay competitive.

Transport & Logistics Mining Construction Manufacturing Agriculture Energy
Why MarathonOne

Where traditional
banks fall short,
we deliver.

01

Fast Decisions

Where banks take weeks, we deliver answers in days. Our intelligent credit engine and experienced team move at the speed your business demands. No committees. No red tape.

02

Specialist Expertise

We understand commercial assets — trucks, plant, mining equipment — in a way generalist banks never will. Our credit decisions are informed by 20 years of hands-on industry knowledge.

03

Flexible Structuring

We build facilities around your cash flow, your contracts and your growth plan — not rigid bank policies. Every deal is structured from scratch to fit your exact situation.

04

Relationship Driven

You deal with decision-makers, not call centres. Our team is accessible, accountable and invested in your long-term success — not just closing a transaction.

05

Competitive Rates

Our access to multiple funding sources means we can structure competitive facilities that often outperform standard bank offerings, particularly for complex or non-standard assets.

06

Proven Track Record

Over R2 billion in funding facilitated across South Africa's most demanding sectors. When we say we can do the deal, we have the history to back it up.

Powered by Intelligence

Smarter decisions.
Faster approvals.

At MarathonOne, intelligent credit isn't a buzzword — it's embedded in how we work, from the moment you submit an application to the day funding is in place.

Speed

Rapid Credit Assessment

Our intelligent credit engine analyses applications in a fraction of the time it takes a traditional bank. By processing financial data, payment history and asset profiles simultaneously, we compress what used to take weeks into days — so you get an answer when your business needs it, not when the system gets around to it.

Intelligence

Deep Industry Intelligence

Understanding a business means understanding its environment. Our credit engine benchmarks each client against sector-specific data — revenue patterns, growth trajectories, asset utilisation rates — to build a complete picture of where a business stands today and where it's headed.

Accuracy

Objective, Bias-Free Decisions

Human judgement, however experienced, carries blind spots. Our scoring engine doesn't. Every application is assessed on the same criteria, every time — eliminating the unconscious biases that can disadvantage good businesses unfairly. More consistent, more accurate, more equitable.

What We Finance

The machines that
move South Africa.

From haul trucks and excavators to graders, loaders and heavy plant — if it generates revenue, we can finance it. No asset too complex, no deal too large.

Who We Serve

Built for South Africa's
asset-heavy businesses.

⚡

Transport & Logistics

Fleet operators, long-haul transporters, last-mile delivery companies. From 5 trucks to 500 — we structure deals at every scale.

⛏

Mining & Resources

Haul trucks, excavators, drill rigs and support equipment. We understand mining assets and the contracts that justify them.

🏗

Construction

Graders, TLBs, cranes and earthmoving equipment. We finance the machines that build South Africa's infrastructure.

🏭

Manufacturing

Production machinery, processing equipment, materials handling. Keep your factory floor moving without tying up capital.

🌾

Agriculture

Tractors, harvesters, irrigation systems and agri-processing equipment. Seasonal cash flow structures available.

⚙

Energy & Industrial

Generators, compressors, renewable energy equipment. We finance the assets that keep South Africa's businesses operational.

For asset finance that goes
above and beyond —
for those who are
above and beyond.

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Get In Touch

Ready to
talk finance?

Our team responds within 24 hours. Send us the basics below and a specialist will come back to you.

Enquiries
admin@marathonone.com
Address
Plot 233 Mooiplaats, R631 Road, Zwavelpoort, Pretoria
Website
www.marathonone.com