Our Mission

We bring customers, dealers and Lenders together to ensure a car buying experience that is grounded in transparency and trust.

A Part of Something Bigger

Lot2You is now a member of the Marathon Group Family


Marathon Group was formed in 2000 with the mission and purpose to provide high quality Vehicle Service Contract (VSC) Administration for direct marketing companies and automotive dealers. Soon after inception, Marathon Administrative Company organized insurance operations to underwrite VSC’s and continued to expand claims administration services, recognizing unmet opportunities in the market to provide a higher level of client and customer service, and to support clients’ objectives to attract and retain long-term customer relationships. Over the years, as the company expanded into additional markets, it acquired or formed customer contact centers and a Premium Finance company, Sparta Capital Management. Today the Marathon Group of companies are licensed to operate across all 50 United States and Puerto Rico.

The company was originally founded by JP Bryan, his son John Bryan, and co-founder Allen Kreke, who joined from Underwriters Insurance Company with extensive experience managing insurance and service contract operations. The founders today include Shelby Bryan, JP’s brother, and all continue to serve as Board members. Marathon Group has distinguished itself by being an innovative and trusted partner of corporate clients who share its customer-centric values to develop long-term relationships. The company prides itself as a premier provider of automotive and ancillary vehicle protection products and B2B marketing programs that promote customer acquisition, retention and client profitability. This is the platform from which Marathon Group has designed unique programs for Professional Employee Organizations, the Rideshare market and other retail channels within the automotive industry. Marathon’s management team have essentially leveraged their extensive knowledge and experience in month-to-month subscription-based warranty products, to create revolutionary low-cost VSC programs that are disruptive in an otherwise mature business, to further differentiate itself from mainstream competition.


Marathon Administrative Company is a customer-focused, concierge-class service provider for vehicle service contracts and other vehicle protection products. As Administrator-Obligor backed by A-rated Insurers, Marathon Administrative Company has a history of taking care of the customer with an unequaled claims adjudication capability. Marathon Administrative Company provides administrative services on behalf of dealers, inbound call centers and clients across a spectrum of automotive and corporate markets. Marathon prides itself on continually innovating new products and services to meet and even anticipate, the evolving needs of its clients and emerging trends in markets.


Sparta Capital provides premium financing of vehicle service contracts and ancillary auto-aftermarket products, to help consumers afford and budget payments for the protection products they purchase through various markets and marketing channels. Sparta works with the seller and administrator of your contract or policy to provide customers with an easy payment plan experience. Sparta has distinguished itself as a reliable business partner who provides outstanding customer service, maintains a dedicated commitment to its clients and who offers the most competitive rates in the marketplace.


Protection Direct is both a direct marketer of vehicle protection products and a concierge-class customer contact center. The company works on behalf of clients and business partners, including other Marathon Group companies, to integrate marketing and sales efforts into a seamless Business Development Center.


American Resources Insurance Company is a commercial property and casualty carrier, headquartered in Mobile, Alabama. ARIC was founded in 1981, and is currently licensed to conduct business in Alabama, Georgia, Indiana, Kentucky, Mississippi, Oklahoma, South Carolina and Tennessee.