Accelerate your business with
Our cash flow assistance
Our working capital solutions are designed to support you where and when your business needs it. Choose from:
accelerate your business with
Our debtor administration services
Premium Access
Our Premium Access tier is designed for businesses that don’t require funding but still want the benefits of our powerful Merchant Factors platform. If you’re managing your own cash flow but need greater visibility of your debtors ledger, this plan is ideal.
Platinum Access
Platinum Access is Merchant Factors’ all-inclusive package for growing businesses that want more than just admin support. We combine full debtor book administration, and credit control in a single, powerful service, giving you the tools, time, and confidence to grow faster.
how it works
apply quickly
Our process is fast and flexible
tell us about your business
We'll find the right solution from our range
Get funded & supported
Capital, admin support, and credit control tailored to you.
Accelerate your business with
Cash Flow, Confidence & Clarity
Merchant Factors, independently serving South African SMEs for over four decades, offers fresh alternatives to rigid bank lending. We power your growth with fast, flexible working capital solutions so you can do what you do best: build your business.
accelerate your business with
Our Promise
We’re not your average financier.
Born from entrepreneurial thinking, Merchant Factors challenges the status quo overdrafts and credit constraints. With turnarounds faster than any bank, we help smart businesses boost cash flow with solutions tailored to your needs.
Leading Company
Why Merchant Factors?
Over 4 decades of SME Support
A proven track record since 1988
True Independence
Fast, flexible decisions with no bank bureaucracy
Human First, Always
You deal with actual people who know your business, not bots
Innovation in Every Turn-around
Creative financing solutions that work, not hamper
Leading Company
ARE YOU ELIGIBLE FOR BUSINESS FUNDING?
At Merchant Factors, we support a wide range of SMEs across South Africa - from growing manufacturers and wholesalers to dynamic service providers and importers. If your business issues invoices to other businesses and experiences cash flow gaps while waiting for payment, you may be eligible for our funding solutions. We work best with ambitious companies seeking flexible, fast, and reliable working capital. Whether you're scaling operations or bridging seasonal gaps, we're here to help you unlock the cash tied up in your invoices.
Do you qualify?
Time in business: 12 months or more
Turnover: Min R1,M per month
Location: Registered in South Africa
Numbers Speak
Turning opportunities into success.
3000+
Businesses funded
400+
Years combined expertise
37+
Years in operation
65+
Number of dedicated staff
INTERESTING INFORMATION
Read and listen
The Working Capital Playbook: Essential Strategies for South African Businesses in 2026
Cash is the lifeblood of any business. For South African companies entering 2026, managing working capital effectively is no longer optional; it’s a critical driver of stability and growth. Even […]
The CFO’s Guide to Smarter Cash Flow in 2026
As we step into 2026, CFOs face a landscape that’s increasingly complex: rising interest rates, late-paying clients, seasonal cash crunches, and evolving business models. Even profitable companies can struggle if […]
Year-End Crunch: How South African Businesses Can Keep Cash Flow Strong into 2026
The last few months of the year are often a financial juggling act for South African businesses. You’re closing books, managing supplier payments, finalising targets—and then come bonuses, holiday pay, […]
Your partner in consistent cashflow
Empowering possibilities, accelerating growth
Unlike your commercial bank, our industry knowledge and hands-on approach allows us to structure the funding solution best suited to your needs.
Unlike an overdraft facility that is restrictive – factoring allows you the opportunity to grow as your funding line grows in line with your debtors.