Small Enterprise Finance Agency (sefa)

The Small Enterprise Finance Agency (SOC) Ltd (sefa) is a merger of the South African Micro-Finance Apex Fund (samaf), Khula Enterprise Finance, and the Industrial Development Corporation’s (IDC) small business activities.

sefa was launched in April 2012 as a fully-owned subsidiary of the Industrial Development Corporation (IDC).

Its vision is to be the leading catalyst for the development of sustainable Survivalist, Micro, Small and Medium enterprises through the provision of finance.

Products and Services

Retail products:

  • Working Capital
  • Asset Finance
  • Term Loan
  • Revolving Loan
  • Bridging Loan

Wholesale products:

  • Wholesale Microfinance Business Loan
  • Wholesale SME Business Loan
  • Credit Indemnity Scheme
  • Business Support
  • Land Reform Empowerment Facility

For more information and/or to apply, contact:


Tel: 012 748 9600​​​​​​​


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