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.

Contacts:

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

 Email: helpline@sefa.org.za

 Fraud hotline:  0800 000 663

Regional Officies: 

Please following the link below for different regional office contacts

https://www.sefa.org.za/contacts/regional

How to Apply

Apply Online for Sefa's Finance