Invoice Discounting (Debtors Finance)

service: Invoice Discounting (Debtors Finance)

Full Book Invoice Discounting

  • MWWCS purchases a clients’ full debtors book. The facility remains confidential (the debtors are not notified of the cession of the debt or the existence of the facility)
  •  The client continues to service, manage and collect directly from each debtor. The client then pays over to MWWCS.
  • Security: First cession of client’s collection bank account and the rights, title and interest to the entire underlying debtors book of the client.
  • Maximum advance rate of up to 80% of the fundable debtors book of the client.
service: Invoice Discounting (Debtors Finance)

Single Invoice Discounting

  • MWWCS purchases the current and future invoices for specific single debtors only. The facility is disclosed to each debtor whose invoices are purchased and each of these debtor/s will sign a formal letter acknowledging the cession of the debt and providing consent thereto.
  • The debtor makes payments directly into Merchant West bank account.
  • Security: First cession of rights, title and interest to the specific single underlying debtor/s purchased.
  • Maximum advance rate of up to 80% of outstanding invoices for a particular debtor.


Increased liquidity.

Settle trade creditors earlier to obtain better settlement discounts.

Access to immediate cash to help season / cyclical cash flow requirements.

Converting unpaid invoices to cash, negating the need to grant excessive early settlement discounts, thus driving early payments.

Expert credit control advice on selected debtors.

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Merchant West (Pty) Ltd
Merchant West (Pty) Ltd Registration Number: 2000/012050/07 is an Authorised Financial Services and Credit Provider. (FSP: 7042) (NCRCP4298)

Merchant West (Pty) Ltd and its directors, officers and employees shall not be responsible and disclaims all liability for any loss, damage (whether direct, indirect, special or consequential) and/or expense of any nature whatsoever, which may be suffered as a result of or which may be attributable, directly or indirectly, to the use of, or reliance upon any information, links or service provided through this website or any other form of publication.

Finance is available to businesses within the Republic of South Africa. Terms and conditions apply.