Leasing & Factoring Services

Flexible financial instruments designed for German businesses – from single-vehicle contracts to enterprise fleet solutions and full receivables management.

Leasing Solutions

Vehicles, Equipment & Beyond

Our leasing products cover every asset class a business may require, structured to preserve capital and optimise your balance sheet treatment.

Modern fleet of white business vehicles parked in a row
Vehicle Leasing

Full-Service Vehicle Leasing

A comprehensive solution for businesses that want predictable monthly costs with all vehicle-related responsibilities handled by Athlon. From compact cars to heavy commercial vehicles.

  • Contract terms from 12 to 60 months
  • Maintenance, tyres and roadside assistance included
  • All major brands and vehicle configurations
  • Annual mileage packages from 10,000 to 60,000 km
Industrial machinery and equipment in a modern manufacturing facility
Equipment Leasing

Machinery & Technology Leasing

Finance production machinery, IT infrastructure, medical equipment, or any commercial asset. We structure terms to align with your asset's useful life and accounting requirements.

  • Finance and operating lease options available
  • Assets from €5,000 to multi-million euro portfolios
  • Tailored depreciation and residual value schedules
  • Sale-and-leaseback arrangements available
Electric vehicle charging at a modern charging station
EV Leasing

Electric Vehicle Fleet Leasing

Athlon's dedicated EV programme makes the transition to electric fleet economically straightforward. We advise on vehicle selection, charging infrastructure, and total cost of ownership.

  • Access to all major EV manufacturers
  • Home and depot charging infrastructure planning
  • CO₂ reporting for ESG compliance
  • Charging cost management and reimbursement
Dashboard showing fleet management analytics and metrics
Fleet Management

Complete Fleet Management Services

For organisations that want to outsource all fleet-related administration. We manage procurement, scheduling, compliance, driver support, fuel cards, and detailed monthly reporting.

  • Real-time telematics and location tracking
  • 24/7 driver helpline and roadside support
  • Centralised fuel card programme
  • Monthly TCO and utilisation reporting
Factoring Solutions

Receivables Management & Working Capital

Turn outstanding invoices into available cash and remove the credit risk of slow-paying customers from your balance sheet.

Full Factoring

Full-Service Factoring

Our full factoring service combines immediate invoice financing with professional debtor management. We purchase your receivables, advance up to 90% of their value, manage the collection process, and protect you against customer default.

  • Advances up to 90% within one business day
  • Professional, discreet debtor management
  • Bad-debt protection included (non-recourse)
  • Online portal for invoice submission and tracking
Selective Factoring

Selective & Silent Factoring

Not every invoice needs to be factored. Our selective factoring product lets you choose which receivables to sell and when, giving you maximum flexibility. Silent factoring keeps the arrangement confidential from your customers.

  • Choose individual invoices or debtor groups
  • Confidential arrangement – customers unaware
  • No minimum invoice volume requirements
  • Suitable for B2B invoices up to 180-day terms
Compare

Leasing vs. Purchasing vs. Factoring

Understanding which financing instrument suits your situation is the first step. Here is a straightforward comparison.

Feature Leasing (Athlon) Outright Purchase Bank Loan
Capital required upfront Low / None Full amount Partial
Balance sheet impact Off-balance possible On-balance sheet On-balance sheet
Maintenance included Yes (full-service) No No
Fixed monthly cost Yes No Variable
Technology refresh cycle Built in at end of term Owner's responsibility Owner's responsibility
Tax deductibility Rates fully deductible Depreciation only Interest only

This table is for informational purposes only and does not constitute financial or tax advice. Please consult a qualified adviser for guidance specific to your circumstances.

Common Questions

Frequently Asked Questions

Athlon Germany serves businesses with single-vehicle requirements through to fleets exceeding 2,000 units. There is no minimum fleet size. Clients with fewer than five vehicles receive the same level of service as large enterprise clients, though pricing naturally reflects volume.
Once we receive your completed application and supporting documents, our credit team typically completes an assessment within two business days. After approval, the onboarding process – including technical integration with your invoicing system – is usually completed within five to seven business days.
In most cases, no deposit is required for established businesses with a clear credit history. For newer businesses or particularly high-value assets, we may request an advance lease payment or a first and last month arrangement. This is assessed individually for each application.
Early termination is possible and we handle this on a case-by-case basis. The standard approach involves settling the outstanding lease liability, adjusted for the residual value of the asset at the time of return. Our team will provide a clear early termination quote on request.
Our factoring products are available to registered businesses in Germany operating on a B2B basis. We work with sole traders (Einzelunternehmen), partnerships (GbR, OHG, KG), GmbH, and AG entities. Factoring is not available for consumer (B2C) receivables. Minimum annual turnover requirements apply and are assessed during the application process.

Discuss Your Requirements With an Adviser

Our team will help you identify the most suitable financing structure for your business. No obligation.

Speak to an Adviser