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

Small Enterprise Finance Agency Ltd or simply SEFA has been serving customers since April 2012.

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

It took over the small enterprise operations of IDC as well. This makes it a leader in the provision of commercial finance services to small, medium and micro enterprises in South Africa.

Its core objective is to support the founding, stabilisation and development of SMMEs. In this way, it helps for the reduction of poverty and for the increase in employment.

Currently, SEFA has 9 offices in different regions of the country.

Services – Small Enterprise Finance Agency

This short term cash loan is especially designed for business enterprises that require cash for meeting their working capital needs.

No matter whether you need to purchase stock or cover operating overhead costs, you can rely on a simple and highly effective finance solution.

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

It is aimed at providing finance only for business to business transactions. The funds which you will receive will allow you to cover all current expenses instantly.

That way, you will achieve highly efficient cash flow management, complete the order on time and earn the highest revenue.

Summary of Services

  • Short term loan
  • Bridging cash loans
  • Short-term personal loans
  • Reliable micro lenders 
  • NCR registered lender
  • Emergency loans 
  • Up to 5 years repayment term

SEFA – Short Term Loans

There are moments when you feel that it is virtually impossible for you to manage your cash flow. In such cases, you will need an effective credit solution.

Use this review of the short term loans of the Small Enterprise Finance Agency (SEFA) to decide whether they will be helpful for your business.

The Small Enterprise Finance Agency has the core goal of assisting small, micro and medium enterprises in South Africa.

It is one of the most reliable micro lenders that you can work with.

You can expect professional assistance in every respect. Even if you have less than perfect financial performance, you may still be able to qualify for a loan.

There are two types of SEFA short term loans.

1. Bridging Loans

The bridging loans are designed to help you maintain your cash flow. With them, you are able to borrow against funds which are owed to you by clients and other parties. The maximum term is 12 months. This gives you great flexibility when it comes to the repayment. The interest rates are among the most competitive which you will find.

Still, you have to evaluate their affordability from your personal perspective.

2. Short-term Loans

There are also SEFA short term loans designed for the financing of capital goods. The finance can be used for the purchase of machinery, office equipment, vehicles or similar items. The loan amount will depend on the value of the capital goods. You can select a repayment term which can be between 1 and 5 years. The interest rates are quite affordable. Just keep in mind that the interest amount will depend on the term of the loan.

The shorter the term is the more you will save.

The loans offered by SEFA are easily accessible.

They have basic requirements which are not difficult to meet even if your business is just starting out.

Currently, applications are accepted only in the 9 regional branches of the lender. You cannot apply online.

Overall, the short term loans of the Small Enterprise Finance Agency are among the best choices for all small, micro and medium business in South Africa.

They are easy to qualify for and offer great rates and favourable terms and conditions.

 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: [email protected]

 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 –