Location : South Africa
Website: Visit Website

Who Are We

The Small Enterprise Finance Agency (sefa) provides financial products and services to qualifying SMMEs and Co-operatives, through a hybrid of wholesale and direct lending channels within the following sectors:

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


What We Do

Sefa’s core function is to foster the establishment, development and growth of SMMEs and Co-operatives, and to contribute towards poverty alleviation, job creation and economic growth.

Our task is to provide SMMEs and Co-operatives throughout South Africa with simple access to finance in an efficient and sustainable manner, by:

  • delivering wholesale and direct lending credit facilities or products;
  • providing credit guarantees to SMMEs and Co-operatives;
  • supporting the institutional strengthening of financial intermediaries, so that they can effectively assist small and micro-enterprises and co-operatives;
  • creating strategic partnerships with a range of institutions for sustainable small, micro and co-operative enterprise development and support;
  • monitoring the effectiveness and impact of our financing, credit guarantee and capacity development activities; and
  • developing (through partnerships) innovative finance products, tools and channels, to speed up increased market participation in the provision of affordable finance.


How We Work

Sefa partners with businesses it assist; creating partnerships is an important element of sustainable development strategy. It enables the agency to provide financial and business support to numerous small, medium, micro and co-operative enterprises throughout the country.


Small enterprises can also access Sefa’s products through any of its intermediary or partnership channels such as:

  • Commercial banks
  • Co-operative financial institutions (CFIs)
  • Micro-finance intermediaries (MFIs)
  • Retail financial intermediaries (RFIs)
  • Strategic partnerships and;
  • Structured Finance Solutions (SFSs)


SMMEs and Co-operatives can get credit facilities from R500 up to R15-million when applying through any of Sefa’s intermediaries or partnerships.

For direct loans of R50 000 up to R15-million, SMMEs and Co-operatives can access this through regional offices, Sefa co-location offices, branches and satellite offices nationally.



Head office:

Byls Bridge Office Park,
Cnr Olievenhoutbosch Street & Jean Avenue, Building 14 , Block D
11 Byls Bridge Boulevard
Highveld Extension 73
Centurion, 0157


Tel: 012 748 9600


 Fraud hotline:  0800 000 663

Regional Officies

Please following the link below for different regional office contacts


How to Apply

Apply Online for Sefa's Finance

For more visit Our Website