What is GEP?
The Gauteng Enterprise Propeller (GEP) is the official development finance institution of the Gauteng Provincial Government. Established to accelerate SMME growth in Gauteng, GEP provides both financial and non-financial support to help entrepreneurs start, grow, and sustain their businesses.
GEP at a Glance
- Who: Gauteng Provincial Government agency
- What: Financial and non-financial SMME support
- Funding Amounts: Individually assessed per application — GEP publishes no fixed ranges (Manufacturing Support is capped at R5 million)
- Terms: Set per programme and individual assessment (development finance)
- Target: 100% South African-owned businesses based in Gauteng
GEP operates as a one-stop shop for SMMEs, offering not just funding but also business development support, training, mentorship, and market access programmes.
GEP Funding Programmes
GEP offers several funding programmes tailored to different business needs and stages. Note that GEP does not publish rand ranges or turnover gates for its core products — every application is individually assessed on the strength of your business plan, cash flows, and CIPC and SARS compliance:
| Programme | Amount | Term | Purpose |
|---|---|---|---|
| Start-up Finance | Individually assessed — no published range | Set per assessment | Launch a new business (business plan required) |
| Contract Finance | Individually assessed — no published range | Contract term | Fulfil a secured contract or purchase order (no business plan needed) |
| Growth Finance | Individually assessed — no published range | Set per assessment | Expand an existing business |
| Franchise Finance | Individually assessed — no published range | Set per assessment | Purchase or expand a franchise |
| Micro-finance | Individually assessed — no published range | Set per assessment | Very small and informal businesses |
| Manufacturing Support (new, March 2026) | Up to R5 million | Term loan | Gauteng manufacturing SMMEs at least 51% black-owned |
Programme Details
Start-up Finance
Ideal for entrepreneurs with a solid business idea who need capital to get started. Requires a comprehensive business plan demonstrating market research, financial projections, and operational planning.
Contract Finance
Designed for businesses that have secured contracts or purchase orders (typically from government or large corporates) but lack working capital to fulfil them. No business plan is needed — the assessment is based on the secured contract or PO itself, which also serves as security for the loan.
Growth Finance
For established businesses looking to expand operations, purchase equipment, hire staff, or enter new markets. Assessed individually on your trading record and cash flows.
Franchise Finance
Helps entrepreneurs purchase or expand franchises. The funding amount and contribution structure are determined through GEP's individual assessment of the franchise opportunity.
Micro-finance
Quick-turnaround small loans for informal traders and very small businesses. Simplified application process with minimal documentation requirements.
Manufacturing Support (New — March 2026)
Launched in March 2026, this term loan facility provides up to R5 million for Gauteng manufacturing SMMEs that are at least 51% black-owned. If you manufacture at larger scale, also consider the national SEDFA SEMSP (Small Enterprise Manufacturing Support Programme), which funds manufacturers up to R15 million (including a 20% grant capped at R2 million) for businesses with 51% black ownership and management and at least 2 years of trading.
Eligibility Requirements
To qualify for GEP funding, your business must meet the following criteria:
South African Citizen
All shareholders/members must be South African citizens with valid ID documents.
Gauteng-Based Business
Your business must be physically located and operating within Gauteng Province. Proof of business address required.
Owner-Operated
At least one shareholder must be actively involved in the day-to-day management of the business.
100% South African-Owned
The business must be 100% South African-owned. The Manufacturing Support facility additionally requires at least 51% black ownership.
CIPC Registered
Business must be registered with CIPC as a company, close corporation, or cooperative.
Tax Compliant
Must have a valid tax clearance certificate or TCS-PIN from SARS. No outstanding tax obligations.
Priority Groups
GEP gives preference to businesses owned by:
- Women (at least 51% women ownership)
- Youth (owners under 35 years old)
- People with disabilities
- Military veterans
Check Your Compliance Status
Not sure if you meet all the requirements? Use Okhantu's compliance tools to verify your CIPC registration, tax status, and B-BBEE level before applying.
Use Compliance ToolsApplication Process
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Funding Application Pack
Most applications to the GEP are turned away for incomplete or poorly presented paperwork before the merits are read. We prepare your full application pack with you: the forms, a funder-ready business plan and financial summary, and a document checklist, reviewed by a person before you submit.
GEP has streamlined its application process with an online system. Here's how to apply:
Register on GEP Online System
Visit geponline.co.za and create an account, or visit a GEP regional office. You'll need your ID number, email address, and basic business information.
Complete Online Application
Fill in the detailed application form. Select the appropriate funding programme and provide comprehensive business information including:
- Business description and history
- Purpose of funding
- Requested loan amount
- Repayment period preference
Upload Required Documents
Submit all required documents through the online portal. Ensure documents are clear, complete, and in PDF format.
GEP Assessment
A GEP business advisor reviews your application, verifies documents, and assesses business viability. They may contact you for clarification or additional information.
Site Visit (If Required)
For larger loans, GEP may conduct a site visit to verify your business premises, operations, and assets.
Credit Committee Decision
Your application goes to the GEP credit committee for final approval. This typically takes 1-2 weeks. You'll be notified of the outcome via email and SMS.
Contract Signing and Disbursement
If approved, you'll sign the loan agreement at a GEP office. Funds are typically disbursed within 3-5 working days after signing.
Pro Tip: Prepare Before Applying
GEP applications that are well-prepared with all documents ready have a much higher success rate. Spend time on your business plan and ensure all compliance documents are current.
Required Documents
Prepare the following documents before starting your application:
CIPC Registration Documents
COR14.3 (company registration certificate) or CK1 (close corporation founding statement). Must be in good standing.
Tax Clearance Certificate (TCS-PIN)
Valid tax clearance from SARS. Can be obtained via eFiling. Must show "Good Standing" status.
How to get a TCS-PIN →6 Months Bank Statements
Business bank account statements for the last 6 months. GEP assesses cash flow and financial management.
Business Plan
Required for Start-up Finance and Growth Finance. Should include executive summary, market analysis, financial projections (3-5 years), and operational plan.
Proof of Business Address
Lease agreement, utility bill, or rates clearance showing your Gauteng business address.
Certified ID Copies
Certified copies of ID documents for all shareholders/members. Certification must be within 3 months.
B-BBEE Certificate or Affidavit
Valid B-BBEE verification certificate, or sworn EME/QSE affidavit if qualifying as Exempted Micro Enterprise.
B-BBEE guide →Contract Document (Contract Finance Only)
Signed contract or letter of award from the contracting entity. Must show contract value, duration, and scope.
Need Help with Your Business Plan?
A well-prepared business plan can make or break your GEP application. Consider working with a professional to ensure your plan meets GEP's requirements and showcases your business potential.
Find Business Plan Writers in GautengTax Clearance Issues?
Many GEP applications are delayed or rejected due to tax compliance issues. If you have outstanding tax matters, get professional help to resolve them quickly.
Find Tax Practitioners in GautengSpecial Programmes
Beyond the standard funding programmes, GEP offers specialised initiatives for specific sectors and groups:
Township Economy Partnership Fund (TEPF)
A joint fund by the Gauteng Department of Economic Development (GDED), GEP, and the IDC for township-based Gauteng businesses. Offers loans, grants, or a blend of both, and is allocated on a first-come, first-served basis.
- Funding: Up to R10 million per applicant
- Sectors include manufacturing, the taxi economy, ICT, backyard real estate, and retail
- Township-based, 100% South African-owned, more than 1 year trading, CIPC and SARS compliant
SMME Crisis Partnership Fund (CLOSED)
This was a one-off R300 million relief fund launched in 2022. The fund manager has confirmed it reached the end of its term, and it is no longer accepting applications. It is listed here for reference only — do not apply.
- Status: Closed — ended its term
- Archived 2022 relief fund (R300m)
- For current support, see GEP's core programmes above
Youth Funding: SEDFA Youth Challenge Fund (National)
GEP does not run a dedicated youth fund, but young Gauteng entrepreneurs can apply to the national Youth Challenge Fund administered by SEDFA, alongside GEP's core programmes (where youth-owned businesses are a priority group).
- National programme — administered by SEDFA
- For youth-owned start-ups and small enterprises
- Can be explored alongside a GEP application
Women Funding: Imbali for Her (National)
GEP does not run a dedicated women's fund, but women entrepreneurs can look to national women-focused funding such as the Imbali for Her programme, in addition to GEP's core programmes (where women-owned businesses are a priority group).
- National women-focused funding initiative
- For women-owned businesses
- Can be explored alongside a GEP application
GEP Offices
GEP has offices across Gauteng to serve entrepreneurs throughout the province:
| Office | Address | Contact |
|---|---|---|
| Head Office (Johannesburg) | 124 Main Street, Marshalltown, Johannesburg | 011 085 2001 |
| Tshwane (Pretoria) | Hatfield Forum, 1067 Arcadia Street, Hatfield | 012 323 8888 |
| Ekurhuleni | Springs Mall, North Rand Road, Springs | 011 812 9500 |
| Sedibeng | 1st Floor, Sedibeng GCIS Building, Vereeniging | 016 422 3400 |
| West Rand | Krugersdorp CBD, West Rand District | 011 660 9800 |
Walk-In Services
All GEP offices offer walk-in consultation services from Monday to Friday, 8:00 AM to 4:30 PM. It's recommended to book an appointment first via the GEP website or call centre.
GEP Contact Centre
Phone: 011 085 2001
Email: info@gep.co.za
Website: www.gep.co.za
Hours: Mon-Fri, 8:00 AM - 4:30 PM
Frequently Asked Questions
Can I apply for GEP funding if my business is not in Gauteng?
No. GEP is specifically for businesses physically located and operating in Gauteng Province. Your business premises must be in Gauteng, and you should have proof of address in the province.
What is the interest rate on GEP loans?
GEP does not publish standard interest rates. As a development finance institution, it prices each loan individually based on the programme, the funding amount, and its assessment of your business plan and cash flows. Confirm the applicable terms with GEP during the application process.
How long does a GEP application take?
A complete GEP application typically takes 4-8 weeks from submission to disbursement. Contract finance may be faster (2-4 weeks) due to the confirmed contract. Delays usually occur due to incomplete documentation.
Can I apply for multiple GEP programmes simultaneously?
Generally, you can only have one active GEP loan at a time. However, you may apply for additional funding after successfully servicing your current loan for at least 12 months with no defaults.
Does GEP require collateral for loans?
GEP focuses on cash flow lending rather than asset-based lending. Most programmes do not require traditional collateral, though they may require personal suretyship from business owners.
What happens if my GEP application is declined?
If declined, GEP will provide reasons for the decision. Common reasons include incomplete documentation, poor credit history, or unviable business model. You can reapply after addressing the issues, typically after 6 months.
Next Steps
Did You Know?
Okhantu can automatically match your company profile against GEP eligibility criteria and show you which programmes you qualify for. Check your eligibility →
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Funding Application Pack
Rather have your GEP application prepared and checked before it goes in? We put the whole pack together with you and review it before you submit.