Rating based on 26 reviews

Small Enterprise Finance Agency

  • Short-term loans up to R4,000
  • Low-interest starting from 60%
  • Repayment up to 56 days

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Small Enterprise Finance Agency homepage
Author Small Enterprise Finance Agency. Screenshot of Small Enterprise Finance Agency website.
[Accessed January 19, 2023]

About Small Enterprise Finance Agency

The Small Enterprise Finance Agency specialises in providing financial products and services to qualifying SMMEs and Co-operatives.

According to the National Small Business Act of 1996 and amended in 2004, the Small Enterprise Finance Agency should provide products and services through a hybrid of wholesale and direct lending channels.

Sectors that work with the SEFA

  • Services-retail & wholesale trades and tourism
  • Manufacturing- Agro-processing
  • Agriculture - land reform beneficiaries and contract-farming activities
  • Construction- small construction contractors
  • Mining - small-scale miners
  • Green industries- renewable energy, waste, and recycling management

What does SEFA do

Their main priority is to foster the establishment, development, and growth of SMMEs and Co-operatives while contributing to poverty alleviation, job creation, and economic growth. They provide SMMEs and Co-operatives nationwide while offering access to finance efficiently and sustainably, by:

  • Deliver wholesale and direct lending credit facilities or products
  • Providing MMEs and Co-operatives with credit guarantees.
  • They support the institutional strengthening of financial intermediaries so that they can effectively assist small and micro-enterprises and co-operatives.
  • Creating strategic partnerships with several institutions for sustainable small, micro, and cooperative enterprise development and support.
  • They monitor the effectiveness and impact of their financing, credit guarantee, and capacity development activities.
  • Using their partnership to develop innovative financial products, tools, and channels, to speed up increased market participation in the provision of affordable finance.

Small Enterprise Finance Agency Services

SEFA only provides financial products and services to qualifying SMMEs and Co-operatives. Draw up a business plan, take it to SEFA and start working, and become your own boss.

With SEFA you can get from R500 up to R15-million through direct and wholesale lending. You can use the money to start your own business or expand the already existing business. All you need is a well-written business plan.

SEFA services

They provide access to finance small businesses in South Africa as well as assistance to build sustainable businesses, through repayable loans. SEFA can help you with any amount from R500 up to R5-million. The products they offer at SEFA are:

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

They offer accessible development finance

  • Best service and expertise- they focus on financing the needs of SMMEs and Co-operatives. They provide the best service and expertise.
  • Responsiveness, innovation, and creativity- the commitment they have to develop SMMEs & Cooperatives helps them become innovative and creative.
  • They offer Direct loans of R50 000 up to R5-million and all SMMEs and Co-operatives can have access to finance through regional offices, SEFA co-location offices as well as satellite offices throughout South Africa.

Small Enterprise Finance Agency – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 60%
  • Loan Amount up to R4,000
  • Repayment 7 days to 56 days

Benefits of Small Enterprise Finance Agency

  • Short-term bridging loans
  • Asset finance solutions
  • Easy online application

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Improve your life through the Small Enterprise Finance Agency

They take baby steps with you, from starting your business up until it is up and running.

SEFA has several funding products available specifically to assist SMMEs and Cooperatives needing finance. When you apply for funding you will be taken through steps where your funding needs will be matched to SEFA’s financing instruments.

How does SEFA work

At SEFA they are in partnership with businesses which assists, creating partnerships is an important element of sustainable development strategy. It allows the agency to provide financial and business support to several small, medium, micro, and cooperative enterprises countrywide, whether to establish new enterprises or to grow existing ones.

SEFA can only be accessed by Small enterprises through any of its intermediary or partnership channels such as:

  • Commercial banks
  • Co-operative financial institutions
  • Micro-finance intermediaries
  • Structured Finance Solutions
  • Retail financial intermediaries
  • Strategic partnerships

At SEFA they are guided by values

They have values that were created to deepen institutional culture, assist in organisational cohesion, and support their purpose and aspiration. SEFA values are:

  • At SEFA they act fast
  • They have a passion for development, they are committed to serving. They are solution-driven.
  • They always strive to deal with clients and stakeholders honestly and ethically.
  • SEFA is transparent
  • They constantly look for new and better ways to serve their clients.

Apply today for the amazing services

When you need SEFA’s help in your business, you can simply visit their website. However, before you begin, you will be asked to register to ensure that your information is validated and recorded. But if they fail to match your needs, you will be directed to other options that could potentially meet your requirements.

Customer Reviews & Testimonials

September 2019

I have a degree in Agricultural management, and I have been struggling to get a job. I approached SEFA and now I am currently my boss.

Larry B
— Cape Town —

April 2019

Getting a job is hard, and I have been looking for ways to help the unemployed youth in my village. SEFA helped me expand my business which made it possible for me to hire more people

Max R
— Eastern Cape —

Small Enterprise Finance Agency Contact

Physical Address

  • 11 Byls Bridge Boulevard, Doringkloof Centurion Gauteng 0157 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed