Rating based on 70 reviews


  • Business loans up to R5,000,000
  • Finance for SMME's
  • Asset finance

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Author SEFA. Screenshot of SEFA website.
[Accessed January 31, 2023]

SEFA - Loans for small businesses

SEFA strives to offer structured and unique solutions to help finance your business.

Its mission is to provide access to business loans in an effective and sustainable manner to small businesses and organisations throughout South Africa.

Their main goal is to support local businesses with financial backing to grow and strive.

They support responsible lending, and they are reliable when it comes to financing your business.

Growth for the economy

Small businesses help the economy to grow, and they also promote diversification within the economy.

The finance can be used for any working capital from operating overheads, stock, new equipment, or a cash flow issue that you need to sort out.

One of the factors that small businesses are bringing to the economic development of this country is that it drastically reduces unemployment.

This is a massive advantage for citizens in the country, especially for companies within the formal sectors of the business world.

Loans for working capital

Get a small start-up business loan from a company you can count on.

SEFA helps SMEs with direct loans. Their loans range from R50 000 to R15-million.With repayment terms between 12 and 60 months.

The finances can be used to purchase moveable assets for your business. These moveable assets do not contain serial numbers and can’t be identified and consist of office furniture, fixtures, and fittings.

SEFA offers financial help to businesses in trouble

  • The programme offers the following financial support:
  • Blended finance consists of a 60% grant and a 40% loan.
  • A 5% limit on the interest rate of the business loan.
  • Initial payment suspension of up to 6 months.
  • Repayment period of a maximum of 60 months.

You will receive excellent customer service

You can expect dedication and great service from their friendly and professional staff. They will provide you with personal care and give you amazing advice when it comes to your business finance needs. You have a better chance of getting a small business loan with SEFA than with commercial banks.

SEFA – Business loan

  • Loan Type Business loans
  • Loan Amount up to R5,000,000

Benefits of SEFA

  • Quick online loan applications
  • Get a business loan online
  • Competitive interest rates

Business loan calculator

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

SEFA Business Loans – reliable and flexible loans

You can apply online via the SEFA website in the comfort of your home or office. The application is paperless, and you don’t have to stand in endless queues and wait to be assisted.

Qualifying criteria

  • Affected by the events of July 2021 with a SAPS case number and statement attached.
  • A registered business on the SSME database and compliant with SARS.
  • 100% SA owned.
  • KwaZulu-Natal and Gauteng businesses will get preference to be assisted first.
  • A confirmation that the business is not insured.

Follow these easy steps to apply for a Small business loan

Step 1:

On their site fill in the registration form provided; it will only take you a few minutes to complete.

Step 2: 

They check your application and make sure that everything matches up with their criteria.

Step 3:

If your business finance application has been approved, funds will be available in your business account.

Benefits when you partner up with SEFA

  • Safe and secure online loan application.
  • Competitive interest rates.
  • A lender you can trust.
  • Passionate and kind staff ready to assist.
  • You will be offered the best expert advice on your business loan.

SEFA knows how difficult it can be to apply for a business loan and you can rest assured that they will be there for you. They are always ready to assist, and their goal is to give you the best services possible. Apply for a small business loan today and see your business develop.

Customer Reviews & Testimonials

April 2018

SEFA makes obtaining finance for small business owners like myself a lot easier.

Rudzani T
— Polokwane —

March 2019

Thank you for making it possible for me to grow my business and take it to new heights.

Xolani N
— Johannesburg —

April 2019

I really appreciate how simple it was to apply for my business loan and how quickly the turnaround time was.

Tshepo S
— Pretoria —

June 2021

SEFA makes obtaining finance for small business owners a lot easier. Thank you for assisting me in my time of need.

Morake X
— Johannesburg —

June 2021

Thank you for making it possible for me to grow my business and take it to new heights. Your staff was friendly and ready to always assist with the best advice and help.

Zainab H
— Durban —

August 2021

I really appreciate how simple it was to apply for my business loan and how quickly the turnaround time was.

Louw N
— Port Elizabeth —

SEFA Contact

Physical Address

  • 1004 Teak Close, Witch Hazel Ave, Highveld 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