SEFA

SEFA Loans in South Africa 2025

The Small Enterprise Finance Agency (SEFA) helps South Africans grow their small businesses with affordable funding options. SEFA provides loans and guarantees to startups, micro-enterprises, and small to medium-sized businesses (SMEs) across all industries.

💡 What Is SEFA?

SEFA is a government agency under the Department of Small Business Development. It focuses on supporting entrepreneurs who may not qualify for traditional bank loans. Through various funding programmes, SEFA helps business owners access working capital, equipment finance, and contract funding.

Microloans – From R500 to R150,000 for informal or micro-enterprises
Direct Loans – Up to R5 million for registered small businesses
Wholesale Lending – For institutions and cooperatives that fund other small businesses

✅ Who Qualifies for SEFA Loans?

To qualify for SEFA financial support, you must meet the following criteria:

Be a South African citizen with a valid ID
Own or operate a registered small or micro business
Have a viable business plan and financial projections
Be able to demonstrate repayment ability or existing business income
Comply with tax and business registration laws

📋 How to Apply for SEFA Funding

Visit the official SEFA website or local provincial office.
Prepare your documents:
- Valid ID and proof of address
- CIPC registration certificate
- 6 months of bank statements
- Business plan and cash flow projections
Complete the SEFA loan application form.
Submit your documents via email or in person at a SEFA partner office.
Wait for assessment and feedback (usually 4–8 weeks).

💼 What SEFA Funds Can Be Used For

Buying machinery or production equipment
Covering operational costs
Fulfilling purchase orders or contracts
Expanding business operations or product lines

🌍 SEFA Provincial Offices

Gauteng – Pretoria, Johannesburg
KwaZulu-Natal – Durban
Western Cape – Cape Town
Eastern Cape – Gqeberha, East London
Limpopo – Polokwane
Mpumalanga – Nelspruit
North West – Mahikeng
Free State – Bloemfontein
Northern Cape – Kimberley

⚠️ Scam Alert

SEFA never uses WhatsApp, Facebook, or paid agents to approve loans. Applications are free of charge and handled only via the official SEFA portal or recognized partners.

📚 Related Resources

Source: SEFA, DSBD, MyInfoHub Business Desk

Disclaimer: MyInfoHub provides verified funding information only. We do not collect personal details or process applications.

Tags: How to Apply for SEFA FundingSEFASEFA LoansSEFA Provincial OfficesSEFA Scam AlertWhat Is SEFA?What SEFA Funds Can Be Used ForWho Qualifies for SEFA Loans?

4 weeks ago

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