Apply for Finance

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Do you qualify for finance?

sefa considers all applications for finance, however, the enterprise must have a business plan. sefa can assist with drawing up the plan through the other support it offers.

To be considered for finance, you must:

  • Be a South African citizen or a permanent resident
  • Be a registered entity, including sole traders with a fixed physical address
  • Be within the required legal contractual capacity
  • Be domiciled in South Africa
  • Be compliant with generally accepted corporate governance practices appropriate to the client’s legal status
  • Have a written proposal or business plan that meets sefa’s loan application criteria
  • Demonstrate the character and ability to repay the loan
  • Have provided personal and/or credit references — if available
  • Be the majority shareholder and the owner-manager of the business
  • Provide relevant securities/collateral
  • Have a valid Tax Clearance Certificate
Want finance?

Before you apply for sefa finance, please screen yourself or your business.

Screening form
Check application progress

There are (7) phases. for an application to progress through.

Check progress
Application form

Download sefa Product application form by clicking on the button below.

Download here
What we look for

When a business applies for finance, sefa considers the:

  • Management profile
  • Business operations
  • Market assessment
  • Financial analysis
  • Legal implications
  • Development impact
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Our target markets

sefa’s target markets are small, medium and micro-sized enterprises and co-operatives in all sectors, in particular:

  • Services (including retail, wholesale and tourism)
  • Manufacturing (including agro-processing)
  • Agriculture (specifically land reform beneficiaries and contract-farming activities)
  • Construction (small construction contractors)
  • Mining (specifically junior miners)
  • Green industries (renewable energy, waste and recycling management)
Who does not qualify for finance?

sefa considers all applications at any stage of the business, with collateral or not. However, there are some entities that fall outside the scope of businesses that the agency funds. These are:

  • Labour brokers
  • Manufacturing and selling of ammunition
  • Tobacco, alcoholic beverages, gambling and sex trade
  • Non-profit organisations
  • Political organisations
  • Persons under debt review
  • Unrehabilitated insolvent shareholders and/or directors of applying entities
  • Primary agriculture (except cash crops and the applicant must have an off-take agreement)
  • Property development