Finance Products

We pride ourselves on the products and services we provide to our clients.

Have a financing problem? We have the solution!

Our team of specialists have a solid understanding of operational, financial and transactional complexities, having over 780 years’ collective experience in the asset finance industry to offer you a range of finance products and boutique solutions.

The benefits of financing your assets through us is that we offer you flexible repayment options either on a monthly or quarterly structure or structured to suit specific industry cash flow cycles and rentals that are 100% tax deductible, minimising income tax obligations.


Operating Lease

An operating lease is purely off‐balance sheet funding where there is no depreciation to write off, and the interest is calculated on the capital amount, excluding VAT. By the end of the lease period you do not own the asset, and you will only have paid for the use thereof.


Operating Lease with Ownership
(Rent to own)

An operating lease with ownership is structured in the same way as a standard operating lease, with the exception that there is an option to take ownership of the asset at the end of the lease period (at a negotiated premium).


Installment Sale

With instalment sales ownership of the asset is automatically transferred to you once the final instalment on the lease has been paid. This product is treated as on‐balance sheet funding, and depreciation can be written off. Interest is charged on the full capital amount, including VAT.


Sale And Leaseback

A sale and leaseback arrangement is one where a customer has unencumbered assets that they wish to utilise to raise capital for the business.  This involves you “selling” your asset back to us, and it is then rented back over the remaining lifespan. In this way you enable your company to still make use of the asset while freeing up cash for other company operations.


Structured Deals



Merchant West has a dynamic insurance offering for all asset classes that we finance. powered by econorisk, market leaders in insurance broking, we strive to offer the best cover at competitive premiums.

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Financial Structure Solutions