Accessible Development Finance

Easy access to finance in an efficient and sustainable way, to SMME's throughout South Africa..

Best Service &
Expertise

sefa’s focus is the financing needs of SMMEs and Co-operatives. The agency is committed to providing them with the best service and expertise.

Responsiveness,
Innovation & Creativity

Our commitment to development of SMMEs & Cooperatives helps us to be innovative and creative.

Direct loans of R50 000
up to R5-milion

SMMEs and Co-operatives can access finance through regional offices, sefa co-location offices and satellite offices nationally.

Our Services

Access to finance is one of the biggest hurdles to small businesses in South Africa and in response to this sefa provides assistance to build sustainable businesses, through repayable loans.

sefa offers loans through direct and wholesale lending from R500 up to R5-million. Amongst the products we offer are...

  •   Asset Finance
  •   Bridging Loan
  •   Term Loan
  •   Structured Finance Solutions
  •   Credit Guarantee Scheme
  •   Land Reform Empowerment Fund

Why Choose sefa

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Do you qualify for finance?

sefa considers all applications for finance, however, you must have a business plan. Check our list ...

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Do you qualify for finance?
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Learn about sefa Direct Lending products

sefa has two lending divisions — direct and wholesale — which have different facilities, offering su...

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Learn about sefa Direct Lending products
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Learn about sefa Wholesale Lending products

sefa provides financial products and services to qualifying small, medium and micro enterprises and ...

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Learn about sefa Wholesale Lending products
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How sefa makes an impact

sefa’s impact is seen in the sustainable businesses it has helped to grow, from micro enterprises to...

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How sefa makes an impact
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Our partners

sefa has a number of partners, all integral to the role the agency plays in its clients’ businesses ...

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Our partners
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Amavulandlela Funding Scheme

There is a growing general concern that the majority of people living with disabilities in South Afr...

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Amavulandlela Funding Scheme

Latest News

Notices

Johannesburg Office Announcement
09 Oct 2018
Client Engagement Session
01 Aug 2018
Client Engagement Session
05 Mar 2018
Intermediary link on sefa website
26 Feb 2018

Events
News
A GROUP of 24 young entrepreneurs recently stepped into the world of business, ready to launch their..
| 11 Jul 2018
“Small business owners, know that funding is available and waiting for you, as long as you meet the ..
| 22 Mar 2018
Durban - KwaZulu-Natal Small Enterprise Finance Agency (Sefa) attributed entrepreneurs’ inability to..
| 20 Feb 2018