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, and a slowdown in client payments. Suddenly, your cash flow looks tighter than a December beac...

Many South African entrepreneurs breathe a sigh of relief when their business finally turns a profit. Sales are picking up, customers are happy, and revenue looks good on paper. Surely that means your business is safe? Not quite. Here’s the catch: profit and cash flow are not the same thing. You c...

Running a business in South Africa can feel like a constant balancing act. You’re juggling suppliers, staff, clients, and a million moving parts, while also trying to grow. On top of that, late client payments, seasonal dips, and rising costs often leave even the most profitable SMEs feeling the p...

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 the key to long-term growth, stability, and a stronger, more agile business? At Merchant Factors, we believe invoice factoring is a strategi...

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 demand, but when it comes to funding, it feels like there’s always a barrier. Traditional loans from banks might seem like th...

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; meanwhile, employees and suppliers still expect to be paid promptly, and customers still expect your services and/or p...

Revenue on paper means nothing if there’s no cash in the bank. With 24% of SMEs battling cash shortages and 71% lacking confidence in bank loans (Team Factors, 2025), staying afloat can feel impossible. But it doesn’t have to be. This guide breaks down proven strategies to stabilise your cash fl...

Traditional bank loans are slow, rigid, and hard to secure, leaving many SMEs struggling to fund daily operations or seize growth opportunities. That’s why many businesses have turned to alternative financing solutions for faster, more flexible ways to access capital. In fact, the global market fo...

Picture this: your business is poised to grow – perhaps a new product launch, expanding into a new market, or hiring that dream team. But despite the excitement, there’s one lingering question: Do we have the cash flow to make it happen? Cash flow is the pulse of your business; without a str...

The start of a new year is an opportunity to reassess your cash flow practices with a fresh perspective. It’s a time to identify where cash flow issues may restrain your business ‘growth. These smart, actionable tips can help your business thrive in the new year. Tip 1: Use AI-Driven Forecasting...