Rating based on 81 reviews

SEFA Loans

Updated

  • 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 August 30, 2021]

About SEFA

Having been in the business since 2012, the Small Enterprise Finance Agency (SEFA) has grown into a well-known and respected FSP. 

They go out of their way to help customers with short-term loans that are suitable, flexible, and affordable.

A lender you can trust

SEFA amalgamated with Khula Enterprise Finance Ltd, forming one big, happy family. They took control over specific operations such as business finance in order to grow and become a reputable financial provider nationwide.

SEFA is always looking for productive ways to help fight unemployment and poverty and entering the finance market was a surefire way to do their part.

At this present moment, SEFA more than 9 branches, all working tirelessly to provide quick and convenient financial service.

SEFA Services

The short-term loans South Africa offered by SEFA are for existing and new businesses that need a financial boost to get to where they need to be.

There are no restrictions, everybody can apply.

There are things you're going to need for your business to stand out and beat the competition. This could be anything from the right machinery to human resources. SEFA is here to help you get exactly what you need - and more! 

Short-term business loans

In order to qualify for their credit facility, you have to be an existing customer of one of their loan providers.

Their primary focus is providing business funding because they know how stressful and hard it is to work on your vision with little to no financial support. When SEFA helps you with a short-term business loan, you'll be able to achieve so much more.

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
  • Structured finance solutions

Short-term loan calculator


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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 or business you're building to expand, you have to learn how to manage your cash flow.

If you know that this is not your greatest strength, you might have to get somebody in who can do ti right.

Make use of SEFA's website and find out whether you can afford their financial deals. They're more concerned with assisting small businesses because they need a solid foundation to reach their full potential. SEFA is one of the most reliable online lenders you can partner with - so what are you waiting for?

SEFA's agents are not only professional but they're willing to help you get ahead by acquiring a loan that meets all your needs.

Bridging loans

Should you meet their credit requirements, a bridging loan will be made available for your convenience.

The primary objective of bridging loans is to assist people who want to improve their cash flow. It's important to ensure that you can afford the credit plan that you're applying for. The maximum loan term for this product is a year.

Short-term loans

On the other hand, SEFA also offers short-term loans which will make it easier for you to equip your business with the right machinery and equipment.

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 the more you'll save on interest.

SEFA's lending criteria 

There's a misconception that only reputable businesses with years of financial history can get finance. This is not the case, new companies can also get loans.

The fact that SEFA doesn't do online applications shouldn’t worry you, they have over 9 offices countrywide for you to apply at.

At the end of the day, they're more interested in supporting small enterprises. Their credit agreement is not only reasonable but affordable too and all you need to do is make an application to see if you qualify.

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