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.

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

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

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.

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.

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

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

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

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.

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.

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.

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.

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.

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.

Merchant West 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.

At Merchant West Treasury Solutions we specialise in facilitating secure and transparent transactions, ensuring your funds are transferred with utmost reliability and at competitive rates.

Merchant West 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.

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

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

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

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

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:

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:

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

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

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

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

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

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:

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

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

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.

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

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.

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.

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.

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.

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

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

Suitable for executive and senior management compensation enhancement.

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 Finance for business customers looking to purchase owner occupied properties.

Merchant West 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.

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

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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

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:

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:

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

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

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

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:

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

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.

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

Suitable for executive and senior management compensation enhancement.

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

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.

At Merchant West, we understand the challenges businesses face when seeking financing. That’s why we offer innovative funding solutions that are asset-backed and tailored to your needs.

Merchant West offers financing that is structured to offer flexible solutions tailored to the borrower’s needs. It combines features of both debt and equity. Take a closer look here at its components:

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

Securitisation solutions offer a versatile approach to funding, enabling businesses to unlock the value of their assets, diversify funding sources, and access capital markets efficiently.

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

Merchant West 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.

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.

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

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.

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.

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.

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.

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.

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.

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

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.

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.

Unlock the full potential of your business with Merchant West’s trade finance solutions. We are committed to helping you thrive in the global market by providing seamless importation processes, flexible financing options, and expert support every step of the way.

The Merchant West Group consists of diversified financial service businesses that offer a range of lending, transactional, wealth management and asset management solutions in South Africa, Namibia, Botswana and the United States of America

MW Asset Rentals (RF) Limited (“MWAR”) is a ring-fenced equipment rentals securitisation vehicle, originated and serviced by Merchant West Proprietary Limited.

MW Working Capital Solutions (RF) Limited (“MWWCS”) is a ring-fenced asset-backed securitisation vehicle, originated and serviced by Merchant West Working Capital Solutions Proprietary Limited.

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

All our investment strategies are available in
segregated mandates for qualifying investors.

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.

At Merchant West, we understand the challenges businesses face when seeking financing. That’s why we offer innovative funding solutions that are asset-backed and tailored to your needs.

Merchant West offers financing that is structured to offer flexible solutions tailored to the borrower’s needs. It combines features of both debt and equity. Take a closer look here at its components:

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

Securitisation solutions offer a versatile approach to funding, enabling businesses to unlock the value of their assets, diversify funding sources, and access capital markets efficiently.

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

Merchant West 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.

Merchant West Treasury Solutions has established a strategic presence in offshore investments through strong partnerships with leading investment houses. Our role includes navigating exchange control regulations, refining processes, providing competitive exchange rates with transparent fees, and ensuring investment products are straightforward, especially regarding currency transfers.

Merchant West Treasury Solutions excels in managing complex financial transactions at both institutional and individual levels. Our role in portfolio switches is to simplify the process by providing expert currency management and seamless fund movement services.

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.

Merchant West 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.

In today’s fast-paced business world, collaboration is essential for growth and delivering value. At Merchant West Treasury Solutions, we understand the needs of professional firms—whether you’re an accountant, attorney, real estate professional, or financial advisor. Partnering with us allows you to enhance your services, offer more value to your clients, and strengthen your role as a trusted advisor.

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.:

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.

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.

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.

Merchant West 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.

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

Merchant West offers commercial property finance to clients for:

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.