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Small Enterprise Finance Agency

image of Small Enterprise Finance Agency
image of Small Enterprise Finance Agency

Small Enterprise Finance Agency is a registered credit provider with South Africa’s National Credit Regulator: NCRCP160


About – Small Enterprise Finance Agency

The Small Enterprise Finance Agency has served South African clients since April 2012.

We came into existence with the merging of major finance companies and with South African Micro Apex Fund and Khula Enterprise Finance Ltd.

We're a leading lender

We have also taken over the small enterprise operations of IDC. This makes us leaders in the providing of commercial finance services to small, medium and micro enterprises in South Africa.

Our main goal is to support the founding, stabilization, and development of SMMEs. By doing it, it plays a role in our society by reducing poverty and assists in increasing employment short term credit for businesses.

We are growing larger by the day since establishment and we currently have nine offices that are open to our clients in different regions around South Africa.

Services – Small Enterprise Finance Agency

All our short-term loans are specially designed for business enterprises that desperately need cash for meeting their working capital needs.

You can rely on our simple and highly effective finance solutions available to you, to use for anything to need in order to your company up and running.

Who can apply to us?

Our business loan facility is available to all companies that have secured contracts with all their clients.

The loan facility is aimed at providing finance for business to business transactions.

You can, therefore, use the personal loan that you receive to cover all your companies’ current expenses instantly!

By doing that, you will achieve a much efficient and higher cash flow management and if you complete the order on time, you will potentially bring in far better revenue.


Summary of Services

  • SHORT-TERM Loan
  • BRIDGING Cash Loans


Small Enterprise Finance Industry - For all of your business loan needs

At Small Enterprise Finance Agency, we offer short-term loans as well as short-term personal loans to companies that require funds unexpectedly to resolve or enhance any business requirements.

We also offer bridging cash loans and emergency loans. We are NCR registered and are reliable microlenders in the industry. You can expect terms of up to five years when repaying a loan with us.

All you need to know about our short-term loans

There are many moments when you might feel that there is virtually no way that you are able to manage your cash flow. In cases like these, you will require an effective and trustworthy credit solution.

Our clients can call in for advice on short term loans at Small Enterprise Finance Agency to make the decision as to whether we will be helpful for their business.

We have a primary goal, and that is to provide financial assistance to small, micro and medium enterprises that need extra funds to keep everything to keep operating smoothly within their business. Our offers are only for the small, micro and medium enterprises of South Africa.

What is it like doing business with us?

When you work with us, you are working with one of the most reliable microlenders in the country. We ensure you that you can expect professional assistance in every aspect of our dealings. You do not have to worry if you have a less than the ideal financial situation, you are still able to qualify for a fast cash loan with us.

Types of SEFA loans

There are two types of SEFA short-term loans that are available for our clients to choose from:

Bridging loans

Our Bridging loans are specially designed to assist our clients in maintaining the cash flow of their enterprises. With these loans, you are able to borrow cash against funds that are owed to you by clients or other parties. We offer all our clients a maximum term of 12 months to repay their loan and provide them with some flexibility when it comes to making repayments. We have ensured that our interest rates are one of the most competitive rates in the market today.

Our clients still need to evaluate the affordability of our business loans from their personal perspective before making a decision.

Short-term loans

We also offer short-term loans that are designed for the financing of capital goods. The cash can be used for the purchase of any equipment to keep your enterprise running, like machinery, office equipment, and other similar items. We allow our clients to select their repayment terms which can range from 1 to 5 years. The interest rates on our loans are affordable, but you should keep in mind that the interest amount all depends on the term of the loan.

This means that you as the borrower will be able to set your own interest rate. The shorter the term, the more money you will save. All our loans are easily accessible to our clients.

We have very basic requirements that aren’t difficult to meet, even if you have a company that you have just started out with. All applications are accepted in the nine regional branches of the lender. Unfortunately, you are unable to make an online loan application as you will need to do an in-branch application.

Overall, our short-term loans are among the best choices for micro, small and medium businesses in South Africa. We provide them with financing to pay for their company expenses.

Our loans are very easy to qualify for, and we offer excellent rates and favourable terms and conditions.

We will assist you with your business

We are passionate about helping our fellow South Africans when they require funding for their companies to keep them in production.

Applying for a quick loan is easy with us, even if your company is new and does not have all the funds to cover their expenses, we are here to assist you!


Customer Reviews & Testimonials

 Contact Details

Eco Fusion 5, 1004 Witch-Hazel Ave, Eco-Park Estate, Centurion, Gauteng, 0144, South Africa
Ph: 012 748 9600 / 011 403 1761
Fx: 086 605 8672
Em: helpline@sefa.org.za

 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 –