Merchant Factors

Merchant Factors We have been providing company-specific working capital solutions for 37 years, via our offices in Cape Town, Johannesburg and Durban.

Merchant Factors was founded in 1988. Our vision is to offer growing businesses an alternative to traditional bank loans and overdrafts. Today we are leaders in the factoring and trade finance. We pride ourselves on innovation and flexibility. We offer local and cross-border trade finance and are able to tailor our facilities to suite most emerging small and medium size businesses. Our clients' tu

rnovers range from R100,000 per month to R15,000,000 per month. Our independence allows us the fastest turnaround time in the industry from application to pay-out. Services:
- Factoring / Debtor Finance & Administration Services
- Trade Finance
- Invoice Discounting
- Bridging Finance

Values:
- A culture of innovative and entrepreneurial thinking
- Establishing integrity, trust and respect
- Delivering flexibility & consistency
- Maintaining an energetic team that is committed to satisfying the growing needs of a business

Merchant Factors is a founder member of The Banking Association Debtor Finance Committee South Africa.

Sometimes a career starts for one reason and becomes something much bigger.“What first drew me to finance? The staff hom...
01/09/2026

Sometimes a career starts for one reason and becomes something much bigger.

“What first drew me to finance? The staff home loan and Wednesday afternoons off, but over time, I realised this was the game for me.”
Gavin Connor, Director

For Merchant Factors, experience is not just measured in years. It is built through decades of understanding businesses, navigating change and learning what good financial support looks like in practice.

Learn more at https://www.mfactors.co.za/

Many businesses only start searching for business rescue support once the pressure has already become urgent.Our latest ...
25/08/2026

Many businesses only start searching for business rescue support once the pressure has already become urgent.

Our latest article looks at the warning signs SMEs should not ignore before that point - from late-paying customers and supplier pressure to payroll strain and overdraft dependence. It also explores when unpaid invoices and extended payment terms may be the real issue, and why earlier working capital support can matter.

Read the full article here: https://www.mfactors.co.za/before-business-rescue-cash-flow-warning-signs/

A little tea, a few sweet treats and a very big thank you. 🧶☕💗On 11 August, Linda treated Merchant’s Knotty Knitters to ...
21/08/2026

A little tea, a few sweet treats and a very big thank you. 🧶☕💗

On 11 August, Linda treated Merchant’s Knotty Knitters to a good old-fashioned tea party to thank them for the time, care and countless stitches they have put into creating knitted blankets for charity.

The ladies enjoyed tea, savoury bites and something sweet, while celebrating the difference their handiwork is making in communities around the country.

A lovely afternoon for a group with very big hearts.

What businesses value in Merchant Factors is not only access to working capital. It is the experience of working with a ...
20/08/2026

What businesses value in Merchant Factors is not only access to working capital. It is the experience of working with a team that understands pressure, communicates clearly, and stays close enough to offer practical support when it matters.

Learn more at https://www.mfactors.co.za/

A manufacturing business secures a strong order book, but raw materials need to be bought, staff need to be paid, and pr...
18/08/2026

A manufacturing business secures a strong order book, but raw materials need to be bought, staff need to be paid, and production needs to move long before the customer settles the invoice.

This is where businesses choose Merchant Factors. Not only for access to working capital, but for a funding partner that understands the pressure between delivery and payment. Merchant Factors helps manufacturers unlock cash tied up in invoices so operations can keep moving with less strain.

Learn more at https://www.mfactors.co.za/

Transport businesses need to keep moving, even when customer payments are still outstanding.“Every transport business ha...
13/08/2026

Transport businesses need to keep moving, even when customer payments are still outstanding.

“Every transport business has a destination. My role is to ensure finance never becomes the roadblock.”
Jaco Blomerus, Account Executive

At Merchant Factors, sector knowledge matters. By understanding the day-to-day pressures behind fuel, fleet upkeep, payroll, and extended payment terms, Jaco helps clients identify practical support that keeps their plans on track.

Learn more at https://www.mfactors.co.za/

This Women’s Day, Merchant Factors recognises the women who help keep businesses moving forward - through leadership, re...
09/08/2026

This Women’s Day, Merchant Factors recognises the women who help keep businesses moving forward - through leadership, resilience, sound decision-making, and the steady work that strengthens teams and operations every day.

Businesses do not only choose a funding partner for access to capital. They choose based on responsiveness, communicatio...
06/08/2026

Businesses do not only choose a funding partner for access to capital. They choose based on responsiveness, communication, and the confidence that comes from working with a team that understands the pressure behind the numbers.

Merchant Factors is trusted by businesses that value practical support, accessible relationships, and a more hands-on approach to working capital.

Learn more at https://www.mfactors.co.za/

One of the warning signs that a business may be heading towards business rescue is when the numbers still look healthy, ...
04/08/2026

One of the warning signs that a business may be heading towards business rescue is when the numbers still look healthy, but cash flow starts telling a different story.

The business is profitable. Sales are being made. Margins may look acceptable. Yet supplier payments become harder to manage, payroll timing creates pressure, and every month feels like a balancing act.

This is often where we see businesses reach out - when the pressure has already built up and the available options have become more limited.

Profitability does not always mean a business has enough liquidity to survive. The question leaders need to ask is: how much cash is tied up in the business’s working capital cycle, and how quickly can it be unlocked?

Merchant Factors helps businesses access working capital tied up in invoices, giving them the breathing room to manage cash flow before challenges become a crisis. Learn more at https://www.mfactors.co.za/

Paying suppliers faster can do more than ease pressure. It can help protect your margins.Our latest article explores how...
28/07/2026

Paying suppliers faster can do more than ease pressure. It can help protect your margins.

Our latest article explores how settlement discounts can become a practical advantage for SMEs, especially when cash is tied up in unpaid invoices. From better supplier terms to improved buying power, it shows why faster payment can be a smarter commercial decision, not just an admin one.

Read the full article here: https://www.mfactors.co.za/settlement-discount-mastery/

Address

55 Loop Street
Cape Town
8001

Opening Hours

Monday 08:30 - 16:30
Tuesday 08:30 - 16:30
Wednesday 08:30 - 16:30
Thursday 08:30 - 16:30
Friday 08:30 - 16:30

Telephone

+27214665244

Website

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