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  • that suits your business needs
  • supports informal and micro businesses
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  • from sefa beneficiaries
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  • grow your business
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Why choose sefa?

Access to finance is one of the biggest hurdles small businesses in South Africa face.

The Small Enterprise Finance Agency (sefa) provides development finance to SMMEs and Co-operatives that are not able to attract commercial credit. sefa is committed to providing these entities with the best service and expertise, and strives to do so in innovative and creative ways.

Why choose sefa?
Why choose sefa?
What we do

What we do

The Small Enterprise Finance Agency (sefa) provides financial products and services to qualifying SMMEs and cooperatives, as defined in the National Small Business Act of 1996 and amended in 2004, through a hybrid of wholesale and direct lending channels within the following sectors:

  • Services (including retail and wholesale trades and tourism)
  • Manufacturing (including agro-processing)
  • Agriculture (specifically land reform beneficiaries and contract-farming activities)
  • Construction (small construction contractors)
  • Mining (specifically small-scale miners)
  • Green industries (renewable energy, waste and recycling management)
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How to apply for funding

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To follow up on your application status

Contact: 012 748 9600
Email: helpline@sefa.org.za