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Specialised Funds

These joint ventures/partnerships are the basis for sefa’s wholesale proposition.

Credit Guarantee Scheme (BFS/S)

The scheme issues a range of credit guarantee products to lenders (commercial banks and other financial institutions) for SMME borrowers whose access to finance is impeded by the fact that they do not have collateral required by the lenders.

Land Reform Facility (RFI/BFS/SF)

The Land Reform Empowerment Facility (LREF) is a Broad-Based Black Economic Empowerment Fund capitalised by the Department of Rural Development and Land Reform and supported by the European Union.

Post-Loan Business and Institutional Strengthening Support

The purpose of the post-loan business support and institutional strengthening is to provide non-financial support to SMME businesses via the RFI/BFS/SF and also directly to the intermediaries.

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Youth Challenge Fund

In line with National Youth Policy, the YCF will be providing support to youth businesses/enterprises who meet the following criteria:

Direct Lending Products

Direct Lending Programmes

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Business Recovery Package - Closed

The Business Recovery Package (BRP) is a blended finance scheme aimed at assisting uninsured businesses that were negatively affected by the recent vandalism and looting in KwaZulu-Natal and Gauteng.

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Business Viability Programme

The Business Viability programme intends to promote SMME competitiveness, sustainability, viability and growth; to promote job creation, curb job losses and closure of businesses and to provide sufficient financial and non-financial support to enable SMMEs to operate efficiently.

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Township and Rural Entrepreneurship Programme (TREP)

The Township and Rural Empowerment Programmes (TREP) supports informal, micro and small enterprises and cooperatives in the rural and township economies.

Exclusions

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Small Enterprise Manufacturing Support

The Small Enterprise Manufacturing Support Programme (SEMSP) is targeted at growing townships, rural towns and villages’ economies, by providing support to small-scale manufacturers.