Rating based on 81 reviews

SEFA Loans


  • Short-term loans up to R1,000,000
  • Asset finance solutions
  • Bridging finance

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SEFA homepage

Author SEFA. Screenshot of SEFA website. [Accessed April 5, 2018]

About SEFA

We have been operating in the credit application business since 2012.

To date, we have never stopped going out of our way to help customers with short term loans.

A lender you can trust

We amalgamated with Khula Enterprise Finance Ltd. And decided to form one big happy family. We took control over small operations such as commercial finance services to grow to become a reputable financial provider nationwide. We are always looking for productive ways to help fight unemployment and poverty and this was one way of going about it. At this present moment, we have more than 9 branches working tirelessly to provide a financial service.

SEFA Services

The short-term loan that we offer is for existing and upcoming businesses that generally need a financial push during a tough time. However, there are no restrictions, everybody can apply.

There are always things you going to need for your business to stand out and to beat the rivalry. This could be anything from the right machinery to human resources.

Business loans

In order to qualify for the credit facility, you have to be an existing customer with one of our loan providers. Our primary focus is providing business funding because we know how stressful it must be to start a vision with little to no financial support. However, when we help you a little bit, you will surprise how much more you can achieve.

SEFA Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to R1,000,000

Benefits of SEFA

  • Asset finance solutions
  • Short-term bridging loans

Short-term loans calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

SEFA strives to help you get the loan you need in the quickest time

If you want the brand you are building to expand, you have to learn how to manage your cash flow. If you know that this is not your biggest ability, you might have to get somebody who does.

Make use of our review and find out whether you can afford our financial deals or not. We are more concerned with assisting small businesses because we know that they usually need a solid foundation in the beginning. In essence, we are one of the most reliable lenders you can partner with.

Our agents are not only professional but they are willing to help you get ahead with acquiring a loan for your enterprise.

Bridging loans

Should you meet our credit requirements, the loan will be made available to your convenience. The primary objective of bridging loans is to assist people who want to improve their cash flow. It is important to ensure that you can afford the credit plan that you are applying for. The maximum amount to pay the loan is a year.

Short-term loans

On the other hand, we have short term loans which will make it easier for you to adjust your business with the right machinery and equipment to give you a step in the right direction. The repayment term for this loan ranges from a year to 5 years. The quicker you finish paying the credit plan, the better for you and fewer debts to worry about.

Available to any business person who meets our loan criteria

There is a wrong misconception that only reputable businesses can get finance. This is not the case, new companies can also get loans. The fact that we don’t do online applications shouldn’t worry you, we have over 9 offices countrywide for you to come in and apply. At the end of the day, we are more interested in small enterprises. After you have applied and met our criteria, you will realize that our credit agreement is not only reasonable but affordable too.

man holding thumbs up

SEFA is a trusted & reliable provider of short-term loans

In our review, SEFA adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

SEFA is a registered credit provider in South Africa: NCRCP160

Customer Reviews & Testimonials

May 2019

All it took was a few minutes to complete the online application form. Once I got approved I got the money in less than a day.

Nicky B
— Benoni —

June 2019

I needed to purchase new tools for my business so I approached Sefa for a short-term loan. The process was very easy to get through, especially because I had the help of one of the customer consu...

Daniel J
— Rustenburg —

SEFA Contact

Physical Address

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