sefa Wholesale Lending Products

Through its wholesale lending, sefa provides facilities ( debt/equity) to intermediaries, joint venture, partnerships ( Specialised Funds ) and other collaborative relationships to extend sefa’s reach of making funding available to small businesses across South Africa.

The target market is survivalists, micro, small and medium businesses including co-operatives (SMMEs) falling in the following funding gap:

  • Survivalists and microenterprises – loans between R500 and R50 000
  • Small Enterprises - loans between R50 000 and R1 million
  • Medium enterprises – loans between R1 million and R5 million


sefa provides the following loan product...

Micro-Finance Intermediaries - MFI

sefa provides facilities to MFI to on-lend to m...

Retail Financial Intermediaries – RFI

sefa engages with RFIs who provide financing so...

Specialised Funds – SFI

These joint ventures/partnerships are basis for...

Credit Guarantee Scheme BFS/SF

The purpose of the scheme is to issue a range o...

Land Reform Facility - RFI/BFS/SF

The Land Reform Empowerment Facility (LREF) is ...

Post Loan Business and Institutional Strengthening Support

The purpose of the Post Loan Business Support a...