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Merchant Factors offers Premium Factoring Services in South Africa

Get a fast and flexible cash flow boost for when you need to expand your business
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Scalable factoring means funding grows as receivables grow

Unlike an overdraft facility that is restrictive โ€“ factoring allows you the opportunity to grow as your funding line grows in line with your debtors.

Reduce your
bad debts

We provide credit vetting by assessing the creditworthiness of your customers and therefore mitigating your bad debt.

Save management time and resources chasing debtors

By outsourcing your credit control function to our professional team you can focus your effects on growing your business.

Receive up to 80% off your invoice

Once you have signed the invoice electronically, upload it to the Merchant Factors online portal who in turn advances you up to 80% of the invoice value immediately. The balance of up to 20% flows back to you once your customer settles.

Flexible funding

Unlike your commercial bank, our industry knowledge and hands-on approach allows us to structure the funding solution best suited to your needs.

Negotiate better deals with your suppliers

By settling your suppliers upfront, allows you the opportunity to take advantage of settlement discounts on offer.

Real time monitoring of your debtors

Our sophisticated online client portal offers a real time access to monitor debtor performance.

Proposal in
24 hours or less

We offer the fastest turnaround time in the industry โ€“ put us to the test today.



Now, more than ever, it is vital to keep an eye on your cash flow and keep your business afloat during these tough times with our invoice factoring services. Put your debtor invoices to work by converting this valuable potential asset into cash – quickly, easily and securely.

Step 1

You complete the work and deliver the product or service to your customer.

Step 2

You submit an invoice to your customer and to Merchant Factors with a delivery note in support.

Step 3

We advance up to 80% of the invoice value.

Step 4

We follow up with your customer and attend to credit control, debtor administration and collections as a value-added after-sales service.

Step 5

Your customer settles the invoice with Merchant Factors when due.

Step 6

We give you the 20% invoice balance, less our admin fee.


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