accelerate your business with

Invoice Factoring

accelerate your busiiness

Turning unpaid invoices into instant working capital.

Cash flow shouldn’t hold back your growth.

Since 1988, Merchant Factors has been helping South African SMEs unlock the money tied up in unpaid invoices with fast, flexible invoice factoring. Instead of waiting weeks or months for customers to settle accounts, you can access funds within 24 hours, and get back to building your business.

FACTS

What is invoice factoring?

Invoice factoring is a smart financing solution that allows you to get paid faster. Here’s how it works:

You send your customer an invoice.

We advance up to 80% of the invoice value upfront.

When your customer pays, the remaining 20% (minus our fee) is released to you.

It’s that simple. No long waits. No red tape. Just immediate working capital to cover expenses, pay suppliers, or invest in growth.

invoice factoring
myths debunked

What Invoice Factoring is not

We get it, funding can come with misconceptions. Here’s what invoice factoring is not:

It’s not a last resort. Many thriving businesses use factoring to smooth out cash flow and accelerate growth.

It won’t damage customer relationships. Collections are handled professionally and respectfully; your clients won’t feel pressured.

It’s not always more expensive than loans. In fact, improved cash flow can unlock early-payment supplier discounts that offset fees.

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When is it a fit?

Is Invoice Factoring right for your business?

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Inflow / Outflow

You’re a growing SME balancing inflows (debtors) and outflows (suppliers, staff, overheads).

Repeat B2B clients

You trade primarily on credit with repeat B2B clients in manufacturing, packaging, wholesale, transport, or logistics.

Patterns

You experience erratic cash flow, seasonal dips, slow payers, or growth surges.

Funding lines

Your current funding lines (like overdrafts) are restrictive and not scaling with your growth.

Our approach to Invoice Factoring

At Merchant Factors, we make the process fast, simple, and transparent:

initial discussion

A quick call to understand your business and confirm if factoring is the right fit.

application and approval

We walk you through the process, review your financials, and provide a quote once approved.

onboarding and support

You’re introduced to your dedicated team, who handle debtor verification and manage the facility day-to-day.

No confusing steps.

Just straightforward support from start to finish.

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Advantages of Invoice Factoring with Us

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Get paid faster and improve cash flow instantly.

Access working capital without taking on debt.

Keep your suppliers and staff paid on time.

Scale financing as your debtor book grows.

Spend less time chasing invoices and more time growing your business.

Unlock supplier discounts with early settlement.

Enjoy personalised support from a dedicated team.

leading company

Why choose Merchant Factors?

South Africa’s

largest independent factoring house.

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Over 4 decades

of experience supporting SMEs.

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Direct access

to real people (no call centres, no robots).

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Fast decisions

made by an entrepreneurial team.

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Quick turnaround

on funding, so you can act when opportunities arise.

Your partner in consistent cash flow

Ready to turn your unpaid invoices into cash?

Stop waiting to get paid. With invoice factoring, you can unlock cash flow today and scale with confidence.

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