support@finmerge.co.za

010 312 6146

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Who we are

Finmerge is a registered credit provider and we are registered with the national credit regulator of South Africa.

We provide small and medium enterprises with a means to an integrated working capital and debtor management solution. We pursue to develop strategic and meaningful partnerships with our clients while providing them with tailored solutions to meet their needs.

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Flexible and cost-effective liquidity through integrated working captital and debtor management solutions.

We care about your business

Signing a formal agreement with us will administer you with a revolving credit facility for a 12-month period, resulting in a shorter turnaround time on approvals of disbursed funds

Our rates are lower than market interest rates and we assist you by offering a debtor management solution.

To ensure that you get the best prices, Finmerge will be involved in your procurement processes.

We will assist you with your billing and collection process, VAT registration and Payroll administration.

Finmerge is geared to negotiate favourable payment terms with your customers to ensure a healthy working capital.
01

Receive an order from your customer
02

Identify a suitable supplier
03

Notify us that you would like to make use of your credit facility to purchase an order. Keep in mind these items have to be contracted with Finmerge.
04

Depending on the order requirements, you’ll simply order the goods and send us confirmation of your order.
05

We will pay your supplier according to your agreement with us. Some transactions will require a deposit from the supplier to ensure full commitment to the completion of the order.
06

The customers order is then delivered to a suitable warehouse or a manufacturing facility.
07

When the final product of the order is delivered to the customer, an invoice will be constructed by you or Finmerge, using the delivery note details. Your debtor management process will then be handled by us, depending on the terms of your contract.
08

Our agreement with you will secure a cession with your customer to ensure all monies paid will be placed directly into our Bank account.
09

Depending on your margin and agreed terms, at the time of invoicing we may refund the deposit to you.
10

When the invoice is settled by your supplier, we will deduct our fees and rebate the remainder to you.

Benefits

With our credit facility you can spread your risk.

You no longer have to rely on the payments of a few core customers to keep your business going.

You can manage debtors and discount negotiations.

Depending on your contract with us, we will provide you with the dedicated resources to handle debtor’s collection and settlement discounts from suppliers.

Finmerge will negotiate shorter payment terms.

We will negotiate shorter payment terms for invoices submitted by partners.

Apply for our credit facility today.

Do you need to finance a purchase order or operational expenses?

is your business older than 18 months? Then apply now!

apply now