Funding directory

R50 000 to R15 million

Business finance for black-owned SMEs from R50 000 up to R15 million. Purely business-based eligibility - age is not mentioned anywhere in the criteria.

R50 000 to R3 million

Short-term working capital finance against confirmed contracts or purchase orders. For any South African SME owner 18 or older - no upper age cap.

Up to R1 million (50% cost-share)

The Black Business Supplier Development Programme offers a 50/50 cost-sharing grant to help black-owned businesses improve competitiveness. No age restriction in qualifying criteria.

Grant up to R2.5 million (blended)

Blended finance support for registered co-operative enterprises. The grant portion is capped at R2.5 million for qualifying activities. Priority is given to co-operatives owned by women, youth, and people with disabilities in rural, township, and peri-urban areas.

Amount to be confirmed

A dedicated fund for construction-sector MSMEs launched on 12 May 2026 through a partnership between SEDFA, DSBD, CIDB, and the Department of Public Works. Aimed at strengthening small and medium construction businesses.

From R1 million

Debt, equity and blended finance for businesses in agriculture and agro-processing. Covers primary production, processing, storage, and distribution of agricultural commodities. Supports transformation and job creation across the value chain.

Up to R25 million (CIP)

Production and cluster incentive grants for clothing and textile manufacturers. The Production Incentive Programme (PIP) pays out 7.5% of net manufacturing value added. The Cluster Incentive Programme (CIP) offers cost-sharing grants of up to R25 million per qualifying cluster. Aimed at improving global competitiveness of South African manufacturers.

R1 million to R1 billion

Debt, equity, and quasi-equity financing for established businesses looking to expand, diversify, or transform. No age restriction - open to any South African entrepreneur or business owner.

Up to R5 000 000

Working capital advance based on your business bank account turnover. Lula connects to your bank account, assesses 3–6 months of transaction history, and advances funds within 24 hours. Repayment is a fixed daily debit - no interest rate, a single factor fee.

Up to R5 000 000

Cash advance for businesses with a card machine or POS terminal. Merchant Capital advances a lump sum repaid as a small fixed percentage of every card transaction - you pay back more when trading is good, less when it is slow.

R250 000 to R75 million

Development finance and equity funding for black-owned and black-managed businesses across all sectors. Offers a range of instruments including equity, quasi-equity, loans, and franchising finance. Prioritises businesses that expand black economic participation and create sustainable employment.

R1 000 to R250 000

Non-repayable grant for young South African entrepreneurs. Covers business equipment, tools, stock, and working capital. Complemented by business development support and mentorship. Aimed at youth aged 18 to 35.

R50 000 to R10 million

Development finance and commercial loans for Black-owned SMMEs. Targets women, rural, and township entrepreneurs - no upper age cap. The majority of the portfolio is non-youth, confirming over-35 entrepreneurs are primary beneficiaries.

Up to R2 000 000

Revenue advance for online and omnichannel merchants processing through Peach Payments. Your advance limit and repayment percentage are calculated directly from your Peach processing volume - no additional documents required for existing merchants.

Up to R5 000 000

Revenue-based advance for retail, hospitality, and service businesses. Retail Capital uses your card processing and bank statement data to advance working capital. No collateral, no business plan, no lengthy approval process.

R20 000 to R10 million

Funding and business development support for small and medium enterprises supplying goods or services to Sanlam or its partners. Eligibility is purely business-based - no age restriction.

Up to R60 000

Non-repayable grant that covers SABS (South African Bureau of Standards) product testing and certification costs for small enterprises. Helps SMMEs meet regulatory and quality standards required to access formal retail and export markets.

Up to R600 000

Non-repayable grant for small enterprises to access new technologies, machinery, and equipment that improve productivity and competitiveness. Administered through the SEDA Technology Programme (STP) in partnership with the DTIC. Covers technology acquisition and technology transfer costs.

R50 000 to R15 million

Development finance loans for small and medium enterprises and co-operatives that cannot access commercial bank credit. Covers working capital, asset finance, and bridging finance. Disbursed directly or through accredited financial intermediaries. Targets survivalist, micro, small, and medium enterprises.

R500 million total fund

A R500 million fund to assist entrepreneurs who want to establish and grow spaza shops. Part of government efforts to support the informal retail sector and township economy.

R1 million grand prize

Annual pitch competition for township-based businesses. R1 million grand prize plus mentorship and banking support. Open to any entrepreneur 18 or older - no upper age cap confirmed in official criteria.

Up to R5 million

Non-repayable grant covering 50% to 85% of qualifying innovation development costs for South African manufacturers and technology businesses. The PPD (Product Process Development) scheme covers up to R2 million. The Matching scheme covers up to R5 million. Targets pre-commercialisation product and process development.

Matched to private investment

Co-investment grant that matches funding from private sector investors such as VCs or angel investors. Designed to de-risk technology commercialisation for investors and help late-stage South African tech ventures scale. TIA matches rand-for-rand up to the programme cap.

Up to R1.5 million

Non-repayable grant funding for technology-based ventures at technology readiness levels 5 and 6 (TRL 5-6). Supports commercialisation of innovations developed in South Africa. Disbursed through TIA-accredited incubators and technology stations.

Amount varies by programme

Support for small businesses in township and rural areas operating in specific sectors including bakeries, butcheries, spaza shops, beauty and personal care, clothing, autobody repair, and cooked food businesses.

Up to R1 million

A suite of dedicated grant and loan packages for township and rural micro-enterprises across seven sub-sectors: small-scale bakeries, butcheries, tshisanyama and cooked food, spaza shops, beauty and personal care, clothing, and autobody repairers. Each sub-programme provides tailored equipment, working capital, and business support.

R1 million to R30 million

IDC has earmarked approximately R9 billion to invest in women-led businesses. The fund supports women entrepreneurs across sectors with concessional finance, equity, and blended funding instruments.

Up to R2 000 000

Revenue advance for businesses that process payments through Yoco. Yoco analyses your card turnover history and offers an advance repaid automatically as a percentage of daily sales - no fixed monthly instalment.