Marlin Financial & Leasing

Name

Marlin Financial & Leasing

Legal name

Marlin Financial & Leasing Corp.

Website

https://marlinfinancial.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

1–10 employees

Short description

Marlin Financial & Leasing Corp., founded in 1982 in Chattanooga, Tennessee, originates commercial equipment leases for U.S. businesses and municipalities, offering six lease structures spanning transactions from $5,000 to over $3 million.

Ownership category

akta.pro rank

Product category

Commercial Equipment Leasing

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324), Automotive Equipment Rental and Leasing (5321)

SIC

Finance Lessors (6172), Loan Brokers (6163)

akta.pro primary industry

Fleet & Commercial Vehicle Finance (FSAKADAE)

Keywords

• Commercial equipment financing
• Equipment leasing services
• Municipal equipment leasing
• Sale lease back financing
• Business equipment loans

Headquarters

HQ city

Hixson

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Equipment Leasing: Marlin Financial generates revenue through equipment leasing arrangements, providing financing for transactions ranging from $5,000 to over $3 million. The company offers various lease structures including Operating Leases (FMV), Finance Leases ($1.00 purchase option), Municipal Leases, TRAC Leases, and Sale Lease Back options. Revenue is generated through interest and lease payments over the term of financing agreements.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels3 records

Core offering

Marlin Financial & Leasing Corp. provides commercial equipment financing and leasing solutions for businesses and municipalities across the United States. Working in association with several commercial lending institutions, the company structures financing transactions ranging from $5,000 to over $3 million, offering Operating Leases (FMV), Finance Leases ($1.00), Municipal Leases, Off-Balance Sheet Leases, Sale Lease Back arrangements, and TRAC Leases for commercial vehicles.

Product overview

Marlin Financial & Leasing is a commercial equipment financing specialist offering six distinct lease product types: Operating Leases (FMV), Finance Leases ($1.00), Municipal Leases, Off-Balance Sheet Leases, Sale Lease Back arrangements, and TRAC Leases for commercial vehicles. The company provides financing for transactions ranging from $5,000 to over $3 million, serving businesses and municipalities across the United States since 1982. All products are accessible through an online lease application process, with the FMV and Finance Lease products representing the core commercial equipment financing offerings, while Municipal and TRAC Leases address specific market segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Operating Lease (FMV)
• Finance Lease ($1.00)
• Municipal Lease
• Off-Balance Sheet Lease
• Sale Lease Back
• TRAC Lease

Quantifiable outcome

• Leasing can provide 100% equipment financing
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

One partnership is on record.

• Local Equipment VendorsminorChannel Partner/ Reseller/ DistributorMarlin Financial maintains relationships with local equipment vendors who refer customers seeking financing for equipment purchases. This channel partner network helps generate lease transaction volume.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Forward Financing: Forward Financing provides fast, online working-capital and equipment financing to U.S. small businesses, overlapping with Marlin on equipment financing and competing for similar SMB customers with a more automated experience.
• LeaseQ: LeaseQ is an online equipment leasing marketplace where businesses request quotes from multiple lessors — directly competitive with Marlin's intermediary model but driven by price transparency and digital convenience.
• Currency Capital: Currency Capital operates an online equipment financing marketplace that matches SMB lessees with lenders, competing with Marlin for the same transaction pool but with a digital-first UX. Useful as a benchmark for fintech-style disintermediation.

Direct peers

• PEAC Solutions: PEAC Solutions is a nationwide equipment leasing and finance company serving businesses with operating and finance lease structures similar to Marlin's, including municipal and commercial-vehicle (TRAC) products. Comparable in product mix and target customer profile.
• National Equipment Finance: National Equipment Finance is an independent equipment leasing broker serving SMBs across the U.S., working with multiple lender partners — structurally similar to Marlin's intermediary business model.
• Balboa Capital: Balboa Capital is a direct competitor in small-business equipment financing and leasing, offering similar transaction sizes, multi-product lease structures, and a broker-style origination model. It is one of the closest analogs to Marlin in terms of customer segment and product breadth.

Broad incumbents

• Wells Fargo Equipment Finance: Wells Fargo's equipment finance division serves mid-market and large commercial lessees with operating and finance leases, TRAC structures, and municipal financing. It competes with Marlin on rate, scale, and breadth while serving larger transactions on average.

Market position

Strengths2 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/marlinfinancial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Marlin Financial & Leasing