LoanB-BBEE Required
SEFA Direct Lending
Small Enterprise Development and Finance Agency (Government Agency)
Overview
Get a business loan from R50,000 to R5 million for working capital or buying equipment. Repay over up to 5 years.
Funding AmountR 50 000 - R 5 000 000
CoverageNational
Business StageStartup, Growth, Established
Full Description
Direct loans to qualifying SMMEs and cooperatives for working capital, asset acquisition, and business expansion. Funding ranges from R50,000 to R5 million with flexible repayment terms.
Eligibility Criteria
Min. Annual TurnoverR 500 000
Max. Annual TurnoverR 50 000 000
Min. Years Trading1 years
Min. B-BBEE LevelLevel 4
Min. Black Ownership51%
Target SectorsManufacturing, Agriculture, Services, Construction, Retail, Transport
Prepare Your Application
Increase your chances of success with these preparation resources.
Provider Guide
Learn about Small Enterprise Development and Finance Agency's application process
Document Checklist
Requirements and deadlines
Download Templates
Business plan, cash flow, projections
Legal Framework
Relevant legislation and compliance
Compliance Check
Verify your CIPC, SARS, B-BBEE status
Get Expert Help
Find a funding specialist
Pro tip:Run the Readiness Checker before applying. It identifies gaps in your documentation and helps you prepare a stronger application.