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Who are we?

Merchant Factors was founded in 1988 as an independent finance house that specialises in providing businesses with effective working capital solutions when they need it. We are not talking about traditional overdraft type facilities that are so inflexible, they are more of a hindrance than a help. Our business is to keep you in the business of generating profit by employing out of the box thinking.

Our vision is to offer growing businesses an alternative to traditional bank loans and overdrafts. We pride ourselves on innovation and flexibility. We offer working capital funding solutions and can tailor our facilities to suit most emerging small and medium size businesses. Our clients’ turnovers range from R200,000 per month to R50,000,000 per month.

Our independence allows us the fastest turnaround time in the industry – from application to pay-out.


  • A culture of entrepreneurial and innovative thinking
  • Establishing integrity, trust, respect and confidentiality
  • Delivering flexibility and consistency
  • Maintaining an energetic team that is committed to satisfying the growing needs of businesses

Mission & Vision

At Merchant Factors we want to grow our presence in the SMME market, in order to support the development of this vital segment of our economy. 

We’ve assisted many of clients achieve business success.

We have assisted many of our clients to achieve business success.