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

Learn More

Investments

Learn More

Private Wealth

Learn More

Treasury Solutions

Learn More
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

Learn More

Fleet

Learn More

Investments

Learn More

Property Finance

Learn More

Working Capital Solutions

Learn More

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

Learn More

Specialised Finance

Learn More

Investments

Learn More

Working Capital Solutions

Learn More

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
  Institutional Unit Trust Investments
  
  Institutional Unit Trust Investments
  
  A range of institutional domestic and global unit trust
  funds covering equities, property, cash, bonds and
  balanced fund solutions.
  
  Learn More
  
  Segregated Mandates
  
  Segregated Mandates
  
  All our investment strategies are available in
  segregated mandates for qualifying investors.
  
  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
  
  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

Learn More

Investments

Learn More

Specialised Finance

Learn More

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

Learn More

Fleet

Learn More

Investments

Learn More

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
Our Story

Learn More

Merchant West Holdings

Learn More

Leadership

Learn More

Timeline

Learn More

Careers

Learn More

Insights

Learn More

Corporates

YOUR FINANCIAL SUCCESS IS OUR PRIORITY

Tailored Corporate Financial Solutions and Support

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

Whether you are looking for asset finance, investment advice, specialised finance funding, or a working capital solution, 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.

SPECIALISED FINANCE. BY DESIGN. FAST

Asset Finance

We make it possible for you to acquire the assets and equipment you need to grow your corporation. 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.

Learn More

Aviation 1

Aviation

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

Learn More

Construction And Manufacturing

Construction and Plant Hire

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

Learn More

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.

Learn More

Transport And Logistics Finance

Logistics and Transport

Successfully driving your business forward with progressive financial solutions.

Learn More

Mining Equipment Asset Finance

Mining and Industrial

Mine possibility with alternative financial solutions designed to minimise risk and maximise cash flow.

Learn More

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.

Learn More

Solar Power Financing

RENEWABLE ENERGY

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

Learn More

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.

Learn More

Discretionary Portfolio Management

Executive Compensation Plan

Suitable for executive and senior management compensation enhancement.

Learn More

Tax Free Investments

Retirement Fund Investments

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

Learn More

COLLABORATIVE CAPITAL SOLUTIONS

Specialised Financing

At Merchant West Specialised Financing, we excel in delivering attractive risk-adjusted returns to investors through investment-grade opportunities across diverse industries, jurisdictions, and asset classes. Our dedicated team cultivates direct relationships with both investors and clients, offering a distinctive value proposition.

Customised Funding Solutions We leverage our strong balance sheet, extensive credit underwriting experience, and deep industry knowledge to create tailored funding solutions. By harnessing direct investor relationships and in-house structuring expertise, we secure capital from diverse funding channels, ensuring flexibility and reliability.

Specialised Financing Expertise With a proven track record in deal-making, we specialize in arranging, syndicating, structuring, implementing, and administering specialised finance solutions. Our clients include institutional investors, DFIs, impact investors, and banks, whom we serve with precision and excellence.

Private Debt Opportunities

PRIVATE DEBT OPPORTUNITIES

Our bespoke private debt financing solutions empower businesses to achieve their strategic objectives with flexible and confidential capital options, enabling sustainable growth and operational resilience.

Learn More

Structured Finance

STRUCTURED FINANCE

Discover how our structured finance solutions unlock capital, manage risk, and drive growth for businesses. We offer a range of options including private debt, asset-backed funding, securitisation, and mezzanine capital tailored to your specific needs and ambitions.

Learn More

Mezzanine Capital

MEZZANINE CAPITAL

Explore the advantages of mezzanine capital financing, a hybrid of debt and equity, which fuels business expansion while minimising equity dilution. Our expertise ensures optimal structuring to support your growth trajectory effectively.

Learn More

Asset Backed Funding

ASSET BACKED FUNDING

Transform your business assets into growth opportunities with our asset-backed funding solutions. Secure the capital necessary for expansion confidently, leveraging your existing assets to unlock new potential.

Learn More

Securitisation Funding

SECURITISATION FUNDING

Experience the transformative power of securitisation funding, converting assets into tradable securities to access immediate capital. Benefit from efficient monetisation and favourable terms, surpassing conventional financing options.

Learn More

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.

Learn More

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.

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 the process and save your business valuable time.

Learn More

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.

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

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

Ensure the security and integrity of your commercial transactions with our escrow services. As your trusted escrow agent, we bridge the trust gap between commercial parties, holding escrow accounts at the bank of your choice.

Learn More

Full Book Discounting

Invoice discounting (Debtor finance)

Unlock the cash tied up in your invoices with our ‘with recourse’ invoice discounting services. We can either purchase and discount your entire debtors’book on a confidential basis, or purchase and selectively discount specific receivables on a disclosed basis, helping you maintain a healthy cash flow.

Learn More

Medium Term Bridge

Short-term & Medium-term Bridge Loans

Navigate cash flow timing differences with ease using our short and medium-term bridge loans. Our tailored financing solutions support your commercial transactions, ensuring your business runs smoothly during periods of cash flow fluctuation.

Learn More

Purchase Order Finance

Short-term & Medium-term Bridge Loans

Navigate cash flow timing differences with ease using our short and medium-term bridge loans. Our tailored financing solutions support your commercial transactions, ensuring your business runs smoothly during periods of cash flow fluctuation.

Learn More

Stock Financing &Amp; Purchase Order Finance

Stock Financing & Purchase Order Finance

Optimize your stock management with our financing solutions. We fund your imported or local stock purchases, giving you the flexibility to sell and collect payments from your debtors without cash flow strain.

Learn More

Trade Finance Importing

Trade Finance

Streamline your capital asset imports with our comprehensive trade finance services. We not only finance your imports but also coordinate the physical importation through our approved panel of providers, ensuring a seamless process from start to finish.

Learn More