SEDFA
Loan
SEDFA Wholesale Lending (via intermediaries)
SEDFA lends to financial intermediaries - microfinance institutions, retail financial intermediaries, specialised funds and banks - who then on-lend to small bu...
Business Loans
Concessional and commercial loans with favourable terms for qualifying small businesses.
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Showing 1-24 of 52 programmes
View AllNEF
Loan
NEF Women Empowerment Fund
Funding from R250,000 up to R75 million for majority black women-owned businesses - start-ups, expansions and equity acquisitions. Requires operational involvem...
SPARTAN
LoanNEW
Spartan SME Finance Working Capital and Bridging Finance
Spartan funds established mid-sized businesses (3+ years trading, roughly R10 million to R500 million annual turnover, with exceptions down to R5 million for hi...
NEF
Loan
NEF uMnotho Fund
The NEF uMnotho Fund provides R2 million to R75 million for medium-sized black-owned and managed businesses, through six products: acquisition finance, new vent...
BUSPART
LoanNEW
Business Partners Limited SME Business Finance
If you run an established, formally registered business, Business Partners can finance you from R500,000 up to R50 million - including property, equipment and w...
IDC
Loan
IDC Gro-E Youth Scheme
Concessionary IDC funding of R1 million to R50 million per transaction for businesses owned by young people aged up to and including 35 at final approval, with ...
NEF
Loan
NEF Rural, Township and Community Development Fund
The NEF Rural, Township and Community Development Fund backs rural entrepreneurs, co-operatives and community-owned ventures in sectors like agro-processing, fo...
IDF
LoanNEW
IDF Capital SME Growth Funding
IDF Capital funds black-owned, growth-stage businesses - typically those with at least 12 months of trading history and some completed contracts - from R50,000 ...
OLDM_ESD
Loan
Old Mutual Masisizane Fund
The Masisizane Fund is the Old Mutual enterprise-development financier, offering developmental and commercial loan financing from R250,000 to R20 million plus b...
IDC
Loan
IDC Small Business Finance and Regions (SBF)
The IDC Small Business Finance and Regions unit serves businesses seeking R1 million to R20 million in funding within IDC-mandated sectors, handled through regi...
ABSA
Loan
Absa Empowerment Business Finance
Loans from R50,000 to R15 million for businesses that are at least 51 percent black-owned, with repayment terms from 12 months to 5 years. Start-ups can apply -...
NEF
Loan
NEF Entrepreneurship Finance
Start-up funding for black entrepreneurs up to R15 million. For new businesses or franchises.
SEDFA
Loan
SEFA Direct Lending
Get a business loan from R50,000 to R5 million for working capital or buying equipment. Repay over up to 5 years.
BRIDGE
Loan
Bridgement Invoice Finance
Bridgement advances cash against your unpaid invoices, claiming up to 100 percent of invoice value (versus the industry-typical 70-80 percent), with facilities ...
BRIDGE
Loan
Bridgement Business Loan
Bridgement offers simple business loans from R20,000 up to R10 million, repayable over 1-24 months with a single fixed fee and early-settlement discounts. Apply...
PSP
LoanNEW
ProfitShare Partners Purchase Order and Contract Finance
If your business has won a purchase order or contract but lacks the capital to deliver, ProfitShare Partners funds the full transaction (R250,000 to R5 million)...
SEDFA
Loan
SEDFA Imbali for Her
Loans up to R5 million for majority black women-owned businesses (51 percent or more), at preferential rates of prime minus 3 percent (prime minus 5 percent for...
GEP
Loan
GEP Manufacturing Support
GEP Manufacturing Support is a term loan facility of up to R5 million launched in March 2026 to support Gauteng-based SMMEs in manufacturing and its subsectors,...
LULA
Loan
Lula Business Funding (formerly Lulalend)
Lula (formerly Lulalend) offers unsecured online business funding from R10,000 up to R5 million, paid out in as little as 24 hours, either as a revolving cash-f...
RETAIL
Loan
GoTyme Business Advance (formerly Retail Capital)
Unsecured business cash advance of up to R5 million from GoTyme Bank (formerly Retail Capital, acquired by TymeBank). You need monthly turnover of R50,000 or mo...
ZIMELE
Loan
Anglo American Zimele
Loans for black-owned small businesses in communities within about 50km of Anglo American mining operations in South Africa. Zimele has lent R556 million since ...
GENFIN
LoanNEW
GENFIN Business Loan
GENFIN lends R100,000 to R3 million over 6 or 12 months to registered businesses trading at least a year with around R100,000 monthly turnover. Apply online wit...
IDF
Loan
Isivande Women's Fund
Loans of R30,000 to R2 million for businesses that are 50 percent plus one share women-owned and/or managed, operating for at least six months. More affordable ...
MEGA
Loan
MEGA Business Loan Funding
MEGA provides term loans of roughly R10,000 to R1 million plus contract-linked bridging finance to Mpumalanga SMMEs and co-operatives across agro-processing, mi...
About Business Loans
What is Business Loans?
Concessional and commercial loans with favourable terms for qualifying small businesses.
Who Qualifies?
Eligibility varies by programme. Most require CIPC registration, tax compliance, and a viable business plan. Check individual programme requirements for specific criteria.
How to Apply
Use FundingOS to check your readiness for specific programmes. Our readiness checker identifies gaps in your documentation and eligibility before you apply.