Approved once. Then cash against each invoice.
We set up a facility sized to your business and approve the customers you invoice, once, upfront. After that you choose which invoices to fund, and when. No asset security.
We set up your facility
We agree the facility size with you and approve your debtors upfront. This is done once.
Send us an invoice
An invoice for work you've delivered to an approved customer, with the signed delivery note or proof of completion.
We pay out in days
Once the invoice is verified and your customer has acknowledged the payment instruction, we pay out up to 80% of its value.
Your customer pays. You get the balance.
Your customer pays into MarathonOne's collection account on the normal due date. We pay you the balance, less our charges.
Who it suits
- Transporters and logistics operators
- Contractors, plant hire and suppliers to mines and construction
- Agri businesses, packhouses and processors
- Manufacturers and distributors
- Any business invoicing established customers on 30 to 90-day terms
Questions we get
Do I need a facility?
Yes. We set it up once, sized to your business, with your debtors approved upfront. After that you choose which invoices to fund, one this month or twenty.
What security do you need?
No asset security. We lend against your customer's ability to pay, the invoice itself and your track record. A director's suretyship usually forms part of the paperwork.
Which invoices qualify?
Invoices for delivered goods or completed work, to customers outside your own group, who will acknowledge paying into our collection account.
What does it cost?
A discount fee quoted upfront for each invoice, based on your customer and the payment term. You see the number before you accept.
How quickly can you start?
We give an indicative answer within three working days of receiving your documents. Once you're set up, payouts on new invoices take days.
Finance for the equipment that earns its keep.
Trucks and trailers, yellow metal and plant, agricultural and industrial equipment. We structure finance around what the asset will earn, over 36 to 60 months, and place it with the funder that fits the deal.
Instalment sale & finance lease
Fixed monthly payments, with ownership at the end of the term.
Operating lease
Use the asset without owning it. Keep capital free and the balance sheet clean.
Full maintenance lease
Finance and maintenance in one predictable monthly payment.
Working capital from your assets
Release cash from equipment you already own through a sale and leaseback.
New or used, one unit or a fleet. Tell us what the asset will do and who it will earn from, and we'll show you what's possible.
Finance an asset →Banks look backwards. We look at what the asset will earn.
We count the future, not just the past
A bank loads last year's cash flow with the new instalment and ignores what the new truck or machine will earn. We put both in the numbers.
One credit standard, done in-house
At a bank you never know whose desk your application lands on. At MarathonOne every deal is assessed in-house, to the same standard, by people with 20+ years' experience in asset finance.
Decision-makers, over a cup of coffee
You deal with the people who decide, not a call centre. We'll come to your offices, understand the business and look for the way to make the deal work.
Easy deals are easy anywhere. The difficult ones need experience, and that's the work we're built for.
From first conversation to funded.
A conversation
Thirty minutes at your offices or on Teams to understand the business and what you need.
Your documents
Financial statements, six months' bank statements, your debtors' age analysis, and the invoice or the asset quote.
In-house credit
We assess the deal ourselves first, so you get a straight answer quickly, and a no early if it's a no.
Funded
Your invoice paid out in days, or your asset financed through the funder that fits.
Tell us what you need.
Send us the basics and we'll come back to you within one working day.