Funding suited to early-stage businesses

Grant up to R2.5 million (blended)

Suits early-stage businesses

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.

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.

R50 000 to R5 million (guaranteed portion)

Suits early-stage businesses

Government-backed credit guarantee that enables SMMEs to access commercial bank loans they would otherwise not qualify for due to insufficient collateral. SEDFA guarantees a portion of the loan, reducing the bank's risk. Available through participating commercial banks including ABSA, Standard Bank, Nedbank, and FNB.

Up to R1 million

A programme that supports informal, micro and small enterprises and cooperatives in township and rural economies through blended finance and business development support. It is designed to promote participation in the mainstream economy and improve competitiveness, compliance, and market access.