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SEFA – Small Enterprise Finance Agency Service Provider
Service Providers

Eco Fusion 5, 1004 Witch-Hazel Ave, Eco-Park Estate, Centurion

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, either to establish new enterprises or to grow existing ones.

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 R5-million when applying through any of sefa’s intermediaries or partnerships.

For direct loans of R50 000 up to R5-million, SMMEs and Co-operatives can access this through regional offices, sefa co-location offices, branches and satellite offices nationally.

Services Offered

sefa Direct Lending Products

These are loans that sefa provides directly to Small and Medium-sized Enterprises as well as Co-operatives operating in all sectors of the economy. The facilities range from a minimum of R50 000 to a maximum of R5 million.

  1. Asset Finance
    sefa offers Asset Finance solutions tailored for your business’ needs.
  2. Bridging Loan
    This is a short term loan that is provided to an enterprise to finance its working capital.
  3. Revolving Loan
    This is a line of credit whereby the borrower is allowed to use the funds when they are needed.
  4. Term Loan
    Term loans offer businesses the cash they need to purchase other forms of movable assets.
  5. Amavulandlela Funding Scheme
    The scheme is targeted at small and medium-sized enterprises and co-operatives with at least 50+1% ownership by entrepreneurs with disabilities .The disabilities will have to be verified.


Eco Fusion 5, 1004 Witch-Hazel Ave, Eco-Park Estate, Centurion, 0144

Company Details

The Small Enterprise Finance Agency (SOC) Limited (sefa) provides financial products and services to qualifying SMMEs and Co-operatives, as defined in the National Small Business Act of 1996 and amended in 2004, 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).

The agency is a wholly owned subsidiary of the Industrial Development Corporation Limited (IDC) and was founded on 1 April 2012 – in terms of Section 3 (d) of the Industrial Development Corporation Act, No. 22 of 1940 (IDC Act) – following a cabinet decision and the 2011 State of the Nation Address to merge the three agencies: Khula, the South African Micro-Finance Apex Fund and the IDC’s small business funding into a single entity.

The Department of Small Business Development is sefa’s executive authority.


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