Khula Credit Guarantee Scheme (SEDFA)
Khula Credit Guarantee Scheme (SEDFA) is a credit guarantee from Small Enterprise Development and Finance Agency for growth, established businesses across South Africa. Applications are accepted on a rolling basis.
Overview
Khula Credit Guarantee is a state-owned insurer under SEDFA (formerly SEFA) that guarantees up to 80 percent of a bank loan when a small business lacks the collateral the bank requires. You do not apply to SEDFA for this - you apply for a loan at a participating bank, and the bank takes out the guarantee with KCG on your behalf. If a bank declines you for lack of security, ask the bank about the Khula Credit Guarantee scheme.
Programme details last verified on 11 June 2026.
Full Description
Credit guarantee scheme that helps SMMEs access finance from commercial banks by providing security for up to 80% of the loan amount.
Eligibility Criteria
Frequently Asked Questions
Who qualifies for Khula Credit Guarantee Scheme (SEDFA)?
Khula Credit Guarantee Scheme (SEDFA) targets growth, established businesses across South Africa.
When is the deadline for Khula Credit Guarantee Scheme (SEDFA)?
Applications are accepted on a rolling basis.
How do I apply for Khula Credit Guarantee Scheme (SEDFA)?
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
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