• 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.

        Learn More
      • Aircraft Finance
      • 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:

        • Light Aircraft and Helicopters
        • Yachts and Boats
        • Golf Carts and Equipment for Golf Estates and Golf Estates
        • Classic Cars and Motorcycles
        • Equestrian Tack
        Learn More
        Apply For Finance
      • Solar Power Financing

        Renewable Energy

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

        Learn More
        Apply For Finance
    • 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.

        Learn More
      • 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.

        Learn More
      • Tax-free Investments

        Tax-free Investments

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

        Learn More
      • 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.

        Learn More
    • Private Wealth
      • Overview

        Unit Trust Investments

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

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
    • Treasury Solutions
      • Overview

        Overview

        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.

        Learn More
      • International Money Transfers

        International Money Transfers

        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.

        Learn More
      • Cash Management

        Cash Management

        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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
    Asset Finance

    Asset Finance

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    Investment menu

    Investments

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    Private wealth menu

    Private Wealth

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    Treasury Solutions menu

    Treasury Solutions

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  • 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.

        Learn More
      • 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:

        • Tractors, harvesters, planters, trailers and crop sprayers
        • Silos, irrigation, solar, netting, tunnels, security, greenhouses, cold rooms and pack houses
        • Packing equipment, scanners, conveyors, scales, cold storage, bins, generators, boilers and tanks
        • Trucks, trailers, vehicles, gators, aircraft and forklifts
        • IT hardware and software for precision
        Learn More
      • 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:

        • New and used fixed-wing and rotor aircraft
        • Avionics upgrades
        • Engine overhauls and aircraft rebuilds
        Learn More
      • Construction Finance

        Construction and Plant Hire

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

        • Earthmoving Equipment
        • Worksite Security Systems
        • Plant and Machinery.
        Learn More
      • 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:

        • Light Aircraft and Helicopters
        • Yachts and Boats
        • Golf Carts and Equipment for Golf and Estate Living
        • Classic Cars and Motorcycles
        • Equestrian Tack
        Learn More
      • 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:

        • High-cost hardware assets
        • Storage and software assets
        • Office Automation equipment
        Learn More
      • 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:

        • Heavy Commercial Vehicles
        • Light Commercial Vehicles and Delivery Vans
        • Tankers, Trailers and Forklift Equipment
        • Warehousing and Storage Facilities
        Learn More
      • 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:

        • X-Ray and Imaging Equipment
        • MRI and Diagnostic Solutions
        • Respiratory and Patient Monitoring Devices
        Learn More
      • 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:

        • Drill Rigs, Crushers and Earthmoving Equipment
        • Furnaces and Heating Systems
        • Automation Systems
        Learn More
      • 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.

        Learn More
      • 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:

        • Surveillance Systems, and CCTV
        • X-Ray Baggage Scanners
        • Detection and Access Control Systems
        Learn More
    • 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.

        Learn More
      • 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

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
    • 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.

        Learn More
      • Cash and Cash Plus Solutions

        Cash and Cash Plus Solutions

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

        Learn More
      • Retirement Fund Investments

        Retirement Fund Investments

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

        Learn More
      • Executive Compensation Plan

        Executive Compensation Plan

        Suitable for executive and senior management compensation enhancement.

        Learn More
    • 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.

        Learn More
      • Property Finance

        Commercial Property

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

        Learn More
    • Treasury Solutions
      • Overview

        Overview

        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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
    • 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.

        Learn More
      • 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.

        Learn More
      • Invoice 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • Trade Finance
    Asset Finance

    Asset Finance

    Learn More
    Fleet Finance menu

    Fleet

    Learn More
    Investment menu

    Investments

    Learn More
    Property Finance menu

    Property Finance

    Learn More
    Working Capital menu

    Working Capital Solutions

    Learn More
    Treasury Solutions menu

    Treasury Solutions

    Learn More
  • Corporates
    • Solutions for Corporates
    • Asset Finance
      • Overview

        Overview

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

        Learn More
      • 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:

        • Tractors, harvesters, planters, trailers and crop sprayers
        • Silos, irrigation, solar, netting, tunnels, security, greenhouses, cold rooms and pack houses
        • Packing equipment, scanners, conveyors, scales, cold storage, bins, generators, boilers and tanks
        • Trucks, trailers, vehicles, gators, aircraft and forklifts
        • IT hardware and software for precision farming, weather stations and drones.
        Learn More
      • 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:

        • New and used fixed-wing and rotor aircraft
        • Avionics upgrades
        • Engine overhauls and aircraft rebuilds.
        Learn More
      • Construction Finance

        Construction and Plant Hire

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

        • Earthmoving Equipment
        • Worksite Security Systems
        • Plant and Machinery
        Learn More
      • 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:

        • High-cost hardware assets
        • Storage and software assets
        • Office automation equipment
        Learn More
      • 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:

        • Heavy Commercial Vehicles
        • Light Commercial Vehicles and Delivery Vans
        • Tankers, Trailers and Forklift Equipment Warehousing and Storage Facilities
        Learn More
      • 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:

        • Drill Rigs, Crushers and Earthmoving Equipment
        • Furnaces and Heating Systems
        • Automation Systems
        Learn More
      • 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.

        Learn More
    • 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.

        Learn More
      • Cash and Cash Plus Solutions

        Cash and Cash Plus Solutions

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

        Learn More
      • Executive Compensation Plan

        Executive Compensation Plan

        Suitable for executive and senior management compensation enhancement.

        Learn More
      • Retirement Fund Investors

        Retirement Fund Investors

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

        Learn More
    • 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.

        Learn More
      • Asset-Backed Funding Solutions

        Asset-Backed Funding

        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.

        Learn More
      • Mezzanine Capital

        Mezzanine Capital

        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:

        Learn More
      • Private Debt Financing

        Private Debt Opportunities

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

        Learn More
      • Securitisation Solutions

        Securitisation Solutions

        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.

        Learn More
      • Structured Finance

        Structuring

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

        Learn More
    • Treasury Solutions
      • Overview

        Overview

        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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
    • 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.

        Learn More
      • 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.

        Learn More
      • Invoice 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • Trade Finance

        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.

        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.

        Learn More
    Asset Finance

    Asset Finance

    Learn More
    Specialised Finance Menu

    Specialised Finance

    Learn More
    Investment menu

    Investments

    Learn More
    Working Capital menu

    Working Capital Solutions

    Learn More
    Treasury Solutions menu

    Treasury Solutions

    Learn More
  • Institutions
    • Solutions for Institutions
    • Investor Relations
      • Overview

        Overview

        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

        Learn More
      • MW Asset Rentals

        MW Asset Rentals

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

        Learn More
      • MW Working Capital Solutions

        MW Working Capital Solutions

        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.

        Learn More
    • 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.

        Learn More
      • Asset-Backed Funding Solutions

        Asset-Backed Funding

        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.

        Learn More
      • Mezzanine Capital

        Mezzanine Capital

        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:

        Learn More
      • Private Debt Financing

        Private Debt Opportunities

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

        Learn More
      • Securitisation Solutions

        Securitisation Solutions

        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.

        Learn More
      • Structured Finance

        Structuring

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

        Learn More
    • Treasury Solutions
      • Overview

        Overview

        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.

        Learn More
      • Product Development

        Product Development

        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.

        Learn More
      • Portfolio Switches

        Portfolio Switches

        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.

        Learn More
    Investor relations menu

    Investor Relations

    Learn More
    Investment menu

    Investments

    Learn More
    Specialised Finance Menu

    Specialised Finance

    Learn More
    Treasury Solutions menu

    Treasury Solutions

    Learn More
  • Intermediaries
    • Solutions for Intermediaries
    • Asset Finance
      • Suppliers

        Suppliers

        Become a part of Merchant West and leverage our extensive experience in the asset finance industry.

        Learn More
    • 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.

        Learn More
    • Investments
    • Treasury Solutions
      • Overview

        Overview

        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.

        Learn More
      • Collaborative Partnerships

        Collaborative Partnerships

        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.

        Learn More
    Asset Finance

    Asset Finance

    Learn More
    Fleet Finance menu

    Fleet

    Learn More
    Investment menu

    Investments

    Learn More
    Treasury Solutions menu

    Treasury Solutions

    Learn More
  • 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.:

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • 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.

        Learn More
      • Treasury Solutions

        Treasury

        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.

        Learn More
      • Private Wealth

        Private Wealth

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

        Learn More
      • Commercial Property Finance

        Property Finance

        Merchant West offers commercial property finance to clients for:

        • Owners -who own and occupy the premises to be financed; or
        • Tenants -who rent premises, but wish to purchase the property.
        Learn More
      • 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.
        Learn More
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    Our Story

    Learn More
    Merchant west holdings menu

    Merchant West Holdings

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    Leadership

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    Timeline

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    Careers menu

    Careers

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    Media menu

    Insights

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Contact Us

Businesses

Your Financial Success is Our Priority

Tailored Solutions and Business Support

If you are a business with an annual turnover of less than R500 million, we are dedicated to helping you achieve your financial goals through a range of products and services designed with your unique business needs in mind.

Whether you are looking for asset finance, fleet finance, investments, property finance, treasury solutions or working capital solutions we have the expertise and resources to help you succeed.

Our team of financial professionals is committed to providing you with personalised guidance and support every step of the way.

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SPECIALISED FINANCE. BY DESIGN. FAST

Asset Finance

We make it possible for you to acquire the assets and equipment you need to grow your business. Our specialists can design a financial solution that is tailored to your specific needs.

Agriculture

AGRICULTURE

To grow your business, you need to grow your assets. We give you the solutions to grow and expand your enterprises without compromising on quality.
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Aviation 1

Aviation

Enhance your flying experience by structuring financial solutions that allow you to take to the sky.
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Construction And Manufacturing

Construction and Plant Hire

Building your business together, with a modern financial solution to strengthen your development.
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Office Equipment Finance

IT and Technology

To future-proof your business and remain ahead of your competitors you need the right infrastructure that will optimise productivity.
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Golf Asset Finance Service

Golf Estates and Country Clubs

Keep your golf course on par. Our tailored financing offers access to assets assisting you to maintain your golf course and club house.
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Transport And Logistics Finance

Logistics and Transport

Successfully driving your business forward with progressive financial solutions.
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Manufacturing Equipment Finance

Manufacturing

From large to small equipment and machinery, you can acquire a range of assets in a customised package, designed to suit your specific requirements.
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Medical

Medical

Financial solutions designed for professionals, by professionals to ensure service of the highest standards.
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Mining Equipment Asset Finance

Mining and Industrial

Mine possibility with alternative financial solutions designed to minimise risk and maximise cash flow.
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Office Equipment Finance And Rentals

Office Automation

Join the smart revolution by increasing productivity and optimising your business with a financial solution to automate your office.
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Solar Power Financing

RENEWABLE ENERGY

Finance renewable energy solutions for your office or business, giving you energy security when you need it most.
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Security Equipment Finance

Safety and Security

Protect your assets and finance a variety of security, access control and CCTV systems, giving you peace of mind.
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IT JUST MAKES SENSE

Fleet Finance

Our streamlined fleet management solution keeps your business mobile, without you tying up your cash in vehicles. Our Leasing Solutions are tailored to suit your actual needs and contracts can be restructured to reflect any future change in your fleet’s operational circumstances. 

Dynamic Lease

Dynamic Lease

Leasing that offers ownership and flexible usage options..
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Full Maintenance Lease

Full Maintenance Lease

Our no-nonsense product keeps your business mobile with minimum fuss.
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Operating Lease

Operating Lease

Optimise your cash flow & control costs associated with the management of your fleet.
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SECURE YOUR TOMORROW

Investments

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. 

Unit Trust Investments

Cash and Cash Plus Solutions

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

Executive Compensation Plan

Suitable for executive and senior management compensation enhancement.
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Tax Free Investments

Retirement Fund Investments

A range of funds and strategies suitable for company retirement funds.
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LOANS THAT WORK FOR YOU

Property Finance

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

Owners: who own and occupy the premises to be financed. 

Business Tenants: who currently rent premises but wish to purchase the property.

Current Commercial Property Owners: who are looking to refinance their properties to release cash flow.

Property Finance 1

Commercial Property

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

Treasury Solutions

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

Cfc Account

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.
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Tax Free Investments

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.
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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 the process and save your business valuable time.
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Foreign

Foreign Exchange

Let our service simplify and maximise your trades with transparent and consistent market-leading exchange rates and shared risk for importers and exporters through our reliable spot/forward trading services.
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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.
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YOUR GROWTH – OUR SOLUTION

Working Capital Solutions

Merchant West Working Capital Solutions can assist to provide your business with a sustainable working capital finance solution that can scale as your business grows. Our facilities are flexible and dynamic, and our experienced team is available to support you with the best possible advice and service.

 
Escrow

Escrow Accounts

We act as an Escrow agent to facilitate a commercial transaction for a client where the parties seek to bridge a trust gap in the transaction. We work with all major banks to hold escrow accounts at the bank of your preference.
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Full Book Discounting

Invoice discounting (Debtor finance)

We purchase and discount your full debtors’ book on a confidential basis with recourse or purchase and discount selective receivables on a disclosed basis.
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Medium Term Bridge

Short-term & medium-term bridge loans

We offer short and medium-term bridge finance for qualifying commercial transactions to clients whose business cycles exhibit seasonality.
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Purchase Order Finance

Trade finance (Stock financing & purchase order finance)

We finance your imported or local stock purchases to allow you time to sell and collect payment from your debtors.
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