Trusted Invoice Financing Experts
Who We Are
One simple principle
Accelerate the consistent working capital you need
At Merchant Factors, we’ve built our business on one simple principle: helping South African companies unlock the working capital they need to grow, trade, and thrive.
Since opening our doors in 1988, we’ve remained an independent, privately-owned financial services provider, proudly dedicated to offering businesses a faster, more flexible alternative to traditional bank finance.
With over four decades of expertise in debt factoring, trade finance, and working capital solutions, we understand the unique pressures that local businesses face.
Our team is committed to delivering tailored funding solutions that give our clients the freedom to seize new opportunities, manage cash flow, and strengthen relationships with suppliers and customers.
one simple principle
Our Purpose
At Merchant Factors, our purpose is clear:
To empower South African businesses with accessible finance solutions that drive growth and resilience, supporting entrepreneurship and driving economic progress.
We help businesses thrive when banks say "No", by providing innovative alternatives to traditional bank loans and overdrafts - tailored for growing businesses.
Who are we?
The Team Behind the Vision
GAVIN CONNOR
As Director at Merchant Factors, Gavin brings a results-driven mindset and deep industry knowledge to our invoice-factoring services. With a strong track record in structuring bespoke working-capital solutions, he works closely with business owners and finance teams to understand not just their receivables, but their growth ambitions too. Gavin believes in proactive partnership: by aligning our funding strategies with your cash-flow reality, he helps you seize opportunities one invoice at a time. Whether you're scaling rapidly, managing seasonal peaks or looking to free up working capital, Gavin and his team are your strategic point of contact for flexible, efficient working capital solutions that support your business trajectory.
JOHNNY PHILIPPOU
With more than four decades in debtor finance and invoice factoring, Johnny brings to Merchant Factors a deep commitment to delivering flexible, client-centred working-capital solutions. As the founding Managing Director, he has shaped our service culture around trust, confidentiality and entrepreneurial thinking - ensuring that each business we partner with is treated as an individual, not just a transaction.
Under his leadership, we move beyond rigid industry templates, assessing businesses by the quality of their debtor book and future prospects so we can unlock cash flow for companies when they need it most. For clients and partners seeking a factoring partner with real industry insight and a proven track record, Johnny is the trusted guide at the helm of our team.
