SEFA Direct Lending
SEFA Direct Lending is a loan from Small Enterprise Development and Finance Agency offering between R 50 000 and R 15 000 000 for startup, growth, established businesses across South Africa. Applications are accepted on a rolling basis.
Overview
Get a business loan from R50,000 to R5 million for working capital or buying equipment. Repay over up to 5 years.
Programme details last verified on 11 June 2026.
Full Description
Direct loans to qualifying SMMEs and cooperatives for working capital, asset acquisition, and business expansion. Funding ranges from R50,000 to R5 million with flexible repayment terms.
Eligibility Criteria
Frequently Asked Questions
How much funding does SEFA Direct Lending offer?
SEFA Direct Lending offers between R 50 000 and R 15 000 000 per applicant.
Who qualifies for SEFA Direct Lending?
SEFA Direct Lending targets startup, growth, established businesses across South Africa. Applicants need annual turnover below R 50 000 000, at least 1 year of trading history, B-BBEE level 4 or better, at least 51% black ownership.
When is the deadline for SEFA Direct Lending?
Applications are accepted on a rolling basis.
How do I apply for SEFA Direct Lending?
Check your eligibility with the free readiness check on Okhantu, prepare the required documents, then apply on the provider's website.
Prepare Your Application
Increase your chances of success with these preparation resources.
Provider Guide
Learn about Small Enterprise Development and Finance Agency's application process
Document Checklist
Requirements and deadlines
Download Templates
Business plan, cash flow, projections
Legal Framework
Relevant legislation and compliance
Compliance Check
Verify your CIPC, SARS, B-BBEE status
Get Expert Help
Find a funding specialist