Grants vs Loans
Grants are non-repayable funding from government or DFIs. Loans require repayment but offer larger amounts. Many SMEs benefit from blended finance combining both elements.
Funding Types
Explore 8 types of business funding available in South Africa. From non-repayable grants to equity investment, find the right funding structure for your business.
8Funding Types
170Active Programmes
14.8KMonthly Searches
4,800/mo
Government Grants
Non-repayable grants from government agencies and development finance institutions for South African SMEs.
3,200/mo
Business Loans
Concessional and commercial loans with favourable terms for qualifying small businesses.
1,800/mo
Equity Finance
Equity investment and venture capital for high-growth South African businesses.
1,600/mo
Incubation & Acceleration
Startup programmes combining mentorship, workspace, and seed funding.
1,400/mo
ESD Programme Grants
Enterprise and Supplier Development grants from corporates meeting B-BBEE requirements.
900/mo
Rebates & Tax Incentives
Tax rebates, export incentives, and cost-sharing programmes for qualifying businesses.
600/mo
Blended Finance
Combined grant-and-loan packages offering the best of both funding types.
500/mo
Loan Guarantees
Government and DFI credit guarantees that help SMEs access commercial bank financing.
Understanding Funding Types
Equity vs Debt
Equity finance means selling a stake in your business. You don't repay, but you share ownership. Debt (loans) preserves ownership but requires regular repayments with interest.
ESD Programme Grants
Large corporates offer Enterprise and Supplier Development grants to meet B-BBEE requirements. These are often the easiest to access for qualifying small businesses in their supply chains.
Choosing the Right Type
Consider your stage, cash flow, and growth plans. Startups often suit grants or incubation. Growing businesses may need loans or equity. Established firms can access guarantees and rebates.