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:
invoice factoring
Turn unpaid invoices into fast funding
trade / stock finance
Bridge supplier payments to grow inventory
bridging finance / business loans
Smooth over short-term cash gaps
business rescue finance (pcf)
Gain a lifeline during restructuring
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 Hidden Benefits of Invoice Factoring – Move Beyond Cash Flow
When cash flow gets tight, invoice factoring often steps in as a quick solution. But what if it could be more than just a short-term fix? What if factoring was […]
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Small Business Finance: Your Competitive Edge for Growth
As a small business owner, you know the feeling of seeing opportunities just out of reach because of cash flow struggles. You’ve got the drive, the vision, and the market […]
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The Cost of Late Payments (and What You Can Do About It)
Chasing late payments can quickly become a draining task for small business owners. When cash flow is tied up in overdue invoices, you’ll struggle to run (and grow) your business; […]
Read MoreYour 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.