• Individuals
    • Solutions for Individuals
    • Asset Finance
      • Overview

        Overview

        Merchant West is one of the largest privately owned providers of asset finance, fleet finance
        and working capital funding to corporates, SME’s and individuals in South Africa.

      • Leisure Finance

        Leisure

        We help you enjoy your lifestyle by structuring a financial solution that allows you to get immediate use of recreational assets like:

      • Solar Power Financing

        Renewable Energy

        We finance commercial renewable energy solutions, giving your business energy-security when you need it most.

    • Investments
      • Overview

        Overview

        Merchant West Investmentsis an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

      • Discretionary Portfolio Management

        Discretionary Portfolio Management

        Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

      • Tax-free Investments

        Tax-free Investments

        All our unit trust funds can be held with within a tax-free plan.

      • Unit Trust Investments

        Unit Trust Investments

        We offer a range of domestic and global unit trust funds covering equities, property, cash, bonds, and balanced fund solutions.

    • Private Wealth
      • Overview

        Unit Trust Investments

        Range of domestic and global unit trust funds covering equities, property, cash, bonds and balanced fund solutions.

      • Estate Planning

        Estate Planning

        Sterling Private Wealth offers assistance in drafting and protecting your wills, managing estates, and administering deceased estates to ensure that your wishes are respected, and your assets are managed appropriately.
        We partner with the best teams in the country in this regard and manage the process seamlessly for optimal outcomes.

      • Investment Planning

        Investment Planning

        Sterling Private Wealth offers you investment advice that is tailored to your unique circumstances, financial needs, objectives, and risk appetite. We offer bespoke solutions most appropriate for each circumstance. Detailed strategies are employed for each client.

      • Offshore Financial Services

        Offshore Financial Services

        At Sterling Private Wealth, we believe that offshore diversification is crucial in building lasting wealth and we offer you professional advice on a range of investment funds and structures to meet your specific needs.
        These include making use of annual investment allowances for physical offshore exposure as well as asset swap portfolio construction.

      • Retirement Planning

        Retirement Planning

        Sterling Private Wealth offers personalised retirement planning solutions to assist you in achieving your financial objectives.
        Our solutions allow you to enjoy a comfortable retirement and secure your financial future.
        Retirement planning includes the use of tax efficient vehicles, saving with both discretionary and compulsory (formal recognised retirement funds) assets, as well as carefully laid out and monitored Cash flow planning.

      • Risk Planning

        Risk Planning

        Sterling Private Wealth provides an unbiased insurance advisory service, obtaining quotes from multiple insurance companies to find the most appropriate product for your specific needs.

      • Tax Planning

        Tax Planning

        Sterling Private Wealth offers tax guidance (in conjunction with third-party providers) on your financial position and how investment planning can optimize your tax structuring. This includes pre-and post-retirement planning, the use of local and international trust structures, and life wrappers, both local and global.
        Tax efficient cash-like vehicles and other personal tax advice is readily available.

    • Treasury Solutions
      • Overview

        Overview

        Merchant West Incompass Treasury Solutions is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

      • Cash Management

        Cash Management

        Merchant West Incompass Treasury Solutions is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

      • Exchange Control Advice

        Exchange Control Advice

        Get expert exchange control advice and free tax clearance certificates for transfers above 1 million Rand with us.
        Let us simplify your transactions today.

      • Foreign Currency Accounts

        Foreign Currency Accounts

        Open an interest-bearing foreign currency account from the comfort of your own home with no monthly charges. Available in most major currencies.

      • Non Rand Transfers

        Non Rand Transfers

        Experience fast and secure non-Rand international transfers with our cutting-edge platform.
        Join now to enjoy seamless transactions.

  • Businesses
    • Solutions for Businesses
    • Asset Finance
      • Overview

        Overview

        Whether you are a business or an individual we make it possible to help you get the assets and equipment you want.

      • Agricultural Finance

        Agriculture

        We make it possible to help you acquire the agriculture assets your farming operation needs.
        We finance a wide range of agriculture assets such as:

      • Aircraft Finance

        Aviation

        We help you enjoy your flying more, by structuring a financial solution that allows you to get into the sky, without breaking the bank. In the South African aviation industry, we finance:

      • Construction Finance

        Construction and Plant Hire

        Our dedicated construction and manufacturing finance team can structure a financial solution for assets like:

      • Leisure Finance

        Leisure

        We help you enjoy your lifestyle by structuring a financial solution that allows you to get immediate use of recreational assets like:

      • Technology Finance

        IT and Technology

        We help you get the IT solutions your business requires for ongoing business operations and to remain competitive, by structuring a financial solution for:

      • Transport and Logistics Finance

        Logistics and Transport

        We make it possible for you to get the assets you want for your logistics and transport, by structuring a financial solution for:

      • Manufacturing Equipment Finance
      • Medical Equipment Finance

        Medical

        We help you get the equipment you want for your practice, by structuring financial solutions for devices like:

      • Mining Equipment Asset Finance

        Mining and industry

        We make it possible to help you get the assets and equipment you want for your business.
        Our dedicated Mining and Industry finance team can structure a financial solution for assets like:

      • Office Equipment Finance and Rentals
      • Solar Power Financing

        Renewable Energy

        We finance commercial renewable energy solutions, giving your business energy security when you need it most.

      • Security Equipment Finance

        Safety and Security

        We make it possible for you to get the solutions you want to protect your assets, by structuring a financial solution for:

    • Fleet Finance
      • Overview

        Overview

        Our streamlined fleet management solution. We keep your business mobile without you tying up your cash in vehicles.
        Our Full Maintenance Lease optimises fleet management, minimises unexpected maintenance expenses, and provides a predictable monthly cost that you can budget for with ease. Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs.

      • Dynamic Lease

        Overview

        Our “Lease to Own” solution provides ownership and flexible usage.
        You may choose to purchase the vehicle at the end of the lease at the specified purchase option price, but there is no obligation to do so. We can modify the contract at any time to adjust the end of contract purchase option price, usage parameters, or include/exclude optional services.
        Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs

      • Full Maintenance Lease

        Full Maintenance Lease

        Our streamlined fleet management solution. We keep your business mobile without you tying up your cash in vehicles.
        Our Full Maintenance Lease optimises fleet management, minimises unexpected maintenance expenses, and provides a predictable monthly cost that you can budget for with ease.
        Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs.

      • Operating Lease

        Operating Lease

        Our Operating Lease is an efficient usage-based contract, whereby you can choose to either control your maintenance and tyre costs or outsource this function to us which will include a maintenance authorization desk, invoice scrutiny, and a consolidated monthly maintenance invoice.

        Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs.

      • Strategic Fleet Solution

        Strategic Fleet Solution

        Our Strategic Fleet Solution provides you with an expert “Back Office” to support your business which serves niche markets and supplies specific vehicles to clients.

        We offer access to funding, a fleet operating system to manage lease contracts from procurement to termination and streamlined administrative processes to support efficient operations.

        Comprehensive reporting at vehicle and fleet level is standard and is standard and is provided to your specification and timing needs.

    • Investments
      • Overview

        Overview

        Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

      • Cash and Cash Plus Solutions

        Cash and Cash Plus Solutions

        Money market and cash plus solutions as an alternative to traditional bank deposits.

      • Retirement Fund Investments

        Retirement Fund Investments

        A range of funds and strategies suitable for company retirement funds.

      • Executive Compensation Plan

        Executive Compensation Plan

        Suitable for executive and senior management compensation enhancement.

    • Commercial Property Finance
      • Overview

        Overview

        Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

      • Commercial Property

        Commercial Property

        Commercial Property Finance for business customers looking to purchase owner occupied properties.

    • Treasury Solutions
      • Overview

        Overview

        Merchant West Incompass is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

      • Cash Management

        Cash Management

        Maximise your business’s excess liquidity with our hassle-free service that offers consistently competitive interest rates. Let us help you earn more today.

      • CFC Accounts

        CFC Accounts

        Simplify your foreign currency inflows and outflows with our CFC account service. Avoid the hassle of converting to ZAR and increase convenience for your international business.

      • Currency Risk Management

        Currency Risk Management

        Mitigate the risk of currency volatility in your business with our expert currency risk management services. Let us help you implement or execute an effective policy to protect your bottom line.

      • Exchange Control Advice

        Exchange Control Advice

        Navigating exchange control regulations can be time-consuming and stressful. Let us provide you with our expertise to simplify and navigate the process of exchange control and save your business valuable time.

      • Foreign Exchange

        Foreign Exchange

        Navigating exchange control regulations can be time-consuming and stressful. Let us provide you with our expertise to simplify and navigate the process of exchange control and save your business valuable time.

    • Working Capital Solutions
      • Overview

        Overview

        Merchant West Working Capital Solutions can assist in providing your business with a sustainable working capital finance offering. Our facilities are flexible, and our team is dynamic to offer you with the best possible advice and service.

      • Escrow Accounts

        Escrow Accounts

        Merchant West provides an Escrow agency service to support commercial transactions where the commercial parties are unknown to each other and/or have recently commenced a commercial relationship. As an Escrow agent, Merchant West will hold funds on behalf of the parties under a signed Escrow agreement concluded between the parties.

      • Full Book Discounting

        Full Book Discounting

        Merchant West purchases qualifying invoices on your whole debtor’s book and provides you with an advance of up to eighty percent on the value of all invoices purchased. The facility remains Confidential (debtors are not notified of the facility). You continue to service, manage, and collect funds due directly from each debtor and remit these to Merchant West on collection.

      • Purchase Order Finance

        Purchase Order Finance

        We finance your imported or local stock purchases against a Purchase Order and discount your debtor invoice with recourse on a disclosed basis.

      • Bridge Loans

        Bridge Loans

        Merchant West provides short and medium-term funding structures for commercial activities including strategic asset purchases and business expansion, based on deal specific qualifying criteria. This solution is suitable for clients involved in strategic business initiatives who require funding partner support.

      • Stock Finance

        Stock Finance

        Merchant West provides Trade Finance for the import of machinery and other assets from global markets. Suitable for businesses that need to import machinery to meet Capex requirements.

  • Corporates
    • Solutions for Corporates
    • Asset Finance
      • Overview

        Overview

        We make it possible to help you get the assets and equipment you want.

      • Agricultural Finance

        Agriculture

        We make it possible to help you acquire the agriculture assets your farming operation needs.
        We finance a wide range of agriculture assets such as:

      • Aircraft Finance

        Aviation

        We help you enjoy your flying more, by structuring a financial solution that allows you to get into the sky, without breaking the bank.
        In the South African aviation industry, we finance:

      • Construction Finance

        Construction and Plant Hire

        Our dedicated construction and manufacturing finance team can structure a financial solution for assets like:

      • Technology Finance

        IT and Technology

        We help you get the IT solutions your business requires for ongoing business operations and to remain competitive, by structuring a financial solution for:

      • Transport and Logistics Finance

        Logistics and Transport 

        We make it possible for you to get the assets you want for your logistics and transport, by structuring a financial solution for:

      • Mining Equipment Asset Finance

        Mining and Industry

        We make it possible to help you get the assets and equipment you want for your business.
        Our dedicated Mining and Industry finance team can structure a financial solution for assets like:

      • Office Equipment Finance and Rentals
      • Solar Power Financing

        Renewable Energy

        We finance commercial renewable energy solutions, giving your business energy security when you need it most.

    • Investments
      • Overview

        Overview

        Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

      • Cash and Cash Plus Solutions

        Cash and Cash Plus Solutions

        Money market and cash plus solutions as an alternative to traditional bank deposits.

      • Executive Compensation Plan

        Executive Compensation Plan

        Suitable for executive and senior management compensation enhancement.

      • Retirement Fund Investors

        Retirement Fund Investors

        A range of funds and strategies suitable for company retirement funds.

    • Specialised Finance
    • Working Capital Solutions
  • Institutions
    • Solutions for Institutions
    • Asset Finance
    • Investor Relations
    • Investments
    • Specialised Finance
      • Overview

        Overview

        Specfin utilises its specialist in-house expertise and the Group’s robust balance sheet in response to consumer demand for “big ticket” solutions, characterised
        as “Hi Value –Hi Complexity” transactions.
        Our deep understanding of credit and a demonstrable track record allows us to credit vet transactions and provide investors with co-investment opportunities, with the comfort that these solutions also meet our risk-return thresholds. Our minimum threshold for debt financing transactions is set at R65m.

      • Private Debt Opportunities

        Private Debt Opportunities

        Through our network of clients, we facilitate the creation of investable opportunities and private placements with investment grade counterparties.

      • Structuring

        Structuring

        We are positioned to enable transactions thought our structuring expertise and ability to identify opportunities. This includes asset creation for investors.

      • Shared Risk and Alignment

        Shared Risk and Alignment

        We co-fund, provide guarantees and transaction administrations services, as such we only bring to market transactions where we are comfortable with the credit risk. We also provide credit support to funders in the form of our internal credit assessments and transaction monitoring.

  • Intermediaries
    • Solutions for Intermediaries
    • Asset Finance
    • Fleet Finance
      • Strategic Fleet Solution

        Strategic Fleet Solution

        Our Strategic Fleet Solution provides you with an expert “Back Office” to support your business which serves niche markets and supplies specific vehicles to clients.
        We offer access to funding, a fleet operating system to manage lease contracts from procurement to termination and streamlined administrative processes to support efficient operations.
        Comprehensive reporting at vehicle and fleet level is standard and is provided to your specification and timing needs.

    • Investments
    • Treasury Solutions
      • Product Development

        Product Development

        Integrating our expertise into your institution and streamlining the collection and overseas transfer of funds for your clients. Let us help you plan and administer with ease.

      • Portfolio Switches

        Portfolio Switches

        Simplifying the movement of funds on an institutional level where portfolio switches create a currency change in a cost effective and streamlined fashion.

  • About Us
    • Our Story
    • Merchant West Holdings
    • Leadership
    • Timeline
    • Careers
    • Media
    • Solutions
      • Asset Finance

        Asset Finance

        We pride ourselves on our reputation as a fast, efficient, and committed financier in our elected industries and offer tailor‐made asset financing for the equipment that is unique to your particular area of business.:

      • Working Capital Solutions

        Working Capital Solutions

        Merchant West Working Capital Solutions can assist in providing your business with a sustainable working capital finance offering. Our facilities are flexible, and our team is dynamic to offer you with the best possible advice and service.

      • Fleet Finance

        Fleet Finance

        Our streamlined fleet management solution. We keep your business mobile without you tying up your cash in vehicles.
        Our Full Maintenance Lease optimises fleet management, minimises unexpected maintenance expenses, and provides a predictable monthly cost that you can budget for with ease. Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs.

      • Investments

        Investments

        Merchant West Investmentsis an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

      • Treasury Solutions

        Treasury

        Merchant West Incompass is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

      • Private Wealth

        Private Wealth

        Range of domestic and global unit trust funds covering equities, property, cash, bonds and balanced fund solutions.

      • Commercial Property Finance

        Property Finance

        Merchant West offers commercial property finance to clients for:

      • Specialised Finance

        Specialised Finance

        Specfin utilises its specialist in-house expertise and the Group’s robust balance sheet in response to consumer demand for “big ticket” solutions, characterised
        as “Hi Value –Hi Complexity” transactions.
        Our deep understanding of credit and a demonstrable track record allows us to credit vet transactions and provide investors with co-investment opportunities, with the comfort that these solutions also meet our risk-return thresholds. Our minimum threshold for debt financing transactions is set at R65m.

Timeline

2024
2024

As of 2024, the journey continues with new developments on the horizon. Watch this space for more to come...

2023
2023

Celebrating 25 years in business in 2023, Merchant West witnessed the rebranding of Counterpoint to Merchant West Investments in March. Assets under finance exceeded R4 billion, with assets under management surpassing R25 billion.

2022
2022

March 2022 witnessed the acquisition of Incompass, merging it into the Capital Markets division. By April 1, 2022, Merchant West increased its interest in Sterling Private Wealth to 51% and Counterpoint Asset Management to 53%. The year closed with the official rebranding of Incompass/Capital Markets division to Merchant West Incompass Treasury Solutions. The national footprint expanded again in May with a new branch in Nelspruit. Internationally, the Botswana office was registered in August, and MW Metal Finance was established in North Carolina, USA.

2021
2021

The year 2021 marked increased direct interest in Counterpoint Asset Management, the establishment of an international footprint with the Namibian office, and further national expansion with a branch in George. In August, Merchant West Specialized Finance was relaunched.

2020
2020

In 2020, Counterpoint Asset Management acquired RECM and Bridge Fund Managers, while Merchant West increased its shareholding in Counterpoint Asset Management.

2019
2019

Expanded our national footprint with the opening of a branch in Port Elizabeth.
Grew our total assets in excess of R 3 billion.
Acquisition of Sterling Private Wealth and Merchant West Investments.
Moved our head office to new premises: 145 West Street, Sandton

2019
2019

In 2019, to accommodate a growing array of product offerings, the Head Office made its move to West Street, Sandton an interest in Sterling Private Wealth was acquired, and a branch opened in Port Elizabeth. Assets under finance surged beyond R3 billion.

2018
2018

Celebrating two decades in business in 2018, Merchant West acquired Revfin and Abela. Abela, in turn, was rebranded as Merchant West Fleet. Additionally, Merchant West Asset Rentals received a AAA rating from Global Credit Rating.

2017
2017

Merchant West Asset Rentals made its mark on the JSE in 2017 by listing its bonds. The Groups staff complement exceeded 150 members.

2016
2016

In 2016, the KwaZulu-Natal franchise transformed into a fully-fledged branch, and Merchant West underwent internal restructuring, shifting focus to a product-oriented approach.

2015
2015

The year 2015 witnessed Merchant West's Capital Markets Division offering FEC funding facilities to clients. A staff share incentive trust was launched, and secured loans and cession financing found a place on the balance sheet.

2014
2014

In 2014 the International Finance Corporation approved investment in Merchant West Working Capital Solutions. This marked the company's first international investor, followed by Nedbank.

2013
2013

In 2013, Merchant West Collections SPV was established, and Working Capital Solutions ventured into a privately placed securitization.

2012
2012

The acquisition of I to I Solutions in 2012 integrated it into Merchant West Specialized Finance. Meanwhile, Merchant West Working Capital Solutions expanded its portfolio with Full Book Discounting. The Cape Town and Pretoria franchises transitioned into fully-fledged branches.

2011
Merchant West finances goods
2011

By 2011, Merchant West's assets under finance exceeded R1 Billion for the first time. The Full Maintenance Lease division was introduced, and the Head Office relocated to new premises on Maude Street.

2010
2010

The growth persisted in 2010 with the establishment of the Mpumalanga franchise, solidifying Merchant West's national presence.

2009
2009

With the dawn of 2009, the national footprint expanded further with the establishment of franchises in Cape Town and Pretoria.

2008
2008

The year 2008 brought the establishment of Working Capital Solutions, Dirt Diggers, a mandate to sell second-hand capital goods, and the attainment of the FSB License.

2007
2007

In 2007, First Floor Assistance was founded, setting its focus on selling second-hand electronic equipment.

2005
2005

The momentum continued in 2005 as Merchant West Asset Rentals was established and externally recognized by a Rating Agency.

2004
2004

The company's journey in 2004 included the signing of the first collection agency agreement with a commercial bank, a milestone where Merchant West began collecting rentals.

2003
Finalised Specialised Finance buy-back.
2003

In 2003, Merchant West Holdings emerged, consolidating minority shareholdings and rebranding all business units under the unified banner of Merchant West.

2002
Establishment of Merchant West Holdings.
2002

The year 2002 saw the repurchase of the Specialized Finance book, finalizing a strategic buyback that shaped Merchant West's trajectory.

2001
KZN franchise is established
2001

In 2001, Merchant West took its first steps towards a national presence by establishing the first franchise in KwaZulu-Natal.

2000
Bought Asset Finance Business
2000

2000 marked a significant chapter with the acquisition of MW Asset Finance and the integration of Treasury Solutions into the company's diverse offerings.

1999
Specialised Finance and Property Finance
1999

The journey continued into 1999, witnessing the organization's expansion as it incorporated Property Finance solutions into its array of services.

1998
Company Established
1998

In the inaugural year of 1998, Merchant West made its mark, born out of a vision to provide structured financial solutions to corporate entities.