This facility is a soft-loan facility aimed at assisting existing SMMEs in order to keep them afloat during the Covid-19 pandemic for a period of 6 months from April 2020.



The Department is no longer accepting new applications for the Business Growth and Resilience facility scheme.

The Business Growth and Resilience Facility is targeted at SMMEs who locally
manufacture or supply hygiene; medical products and Food items that are in
demand in order to curb and manage the spread of the COVID-19 virus. This facility
offers working capital, stock, bridging finance, order finance and equipment finance.
The funding amount will be based on the funding needs of the actual business.



for sefa clients

The Sefa-Debt Restructuring Facility is geared towards sefa-funded SMMEs that are negatively
affected by the pandemic. A payment moratorium/ holiday will be given to the qualifying SMMEs for a
period of a maximum of 6 months, in efforts to reduce the installment burden of loan obligations on
the affected SMMEs. These SMMEs will be required to illustrate the direct linkage.

The application form for Debt Relief and the Business Growth Scheme can be downloaded
from all our websites:;;;

The completed application forms can be sent to: and depending on the scheme that is being
applied for.



To strengthen spaza shops as locals’ convenient access to basic goods and
facilitate bulk buying opportunities and realize the potential for spaza shops to
serve as market for locally manufactured goods.

COVID Spaza Scheme Application process.j
Scheme Benefits.jpg
Commitment required.jpg

Spaza shops must hold permit to trade and for those operating illegally, they can go
to their nearest municipality to apply for permits.


Basic Qualifying Criteria

  • The business must have been registered with CIPC by at least 28 February 2020;

  • Company must be 100% owned by South African Citizens;

  • Employees must be 70% South Africans;

  • Priority will be given to businesses owned by Woman, Youth and People with Disabilities;

  • Be registered and compliant with SARS and UIF;

  • Proof that the business is negatively affected by COVID-19 pandemic;

  • Complete the simplified online application platform;

  • Company Statutory Documents;

  • FICA documents (e.g Municipal accounts, letter from traditional authority);

  • Certified ID Copies of Directors;

  • 3 months Bank Statements;

** Please note that the qualifying criteria may differ depending on the Relief Scheme,
visit for more information. **



  • Register on

  • Complete an online Application Form

  • Upload Required Supporting Documents


sefa's mandate is to make funding accessible to small, micro, medium–sized enterprises (SMMEs) and co–operatives throughout South Africa and facilitate inclusive economic growth throughout South Africa and facilitate inclusive economic growth. Small Scale enterprises and co–operatives operating in various economy sectors can access tailor–made finance solutions to start and expand their businesses.

These finance solutions include among :

  • Asset Finance 

  • Bridging Loans

  • Revolving Loans

  • Term Loans

  • Structured Finance Solutions

sefa's loan financing programmes mainly focus on black people, women, the youth, rural communities and entrepreneurs with disabilities and military veterans. These programmes are aligned with the New Growth Path (NCP), Industrial Policy Action (lPAP) and the National Development Plan (NDP).

Who can apply (Minimum Qualifying Criteria)

The Programme is targeted at SMMEs with a high developmental impact in the economy.

  • Only SMMEs creating a minimum of 10 jobs and requiring funding over a minimum period of three years will be considered for Blended Finance Programme. This means that SMMEs creating less than 10 jobs and requiring funding over a period of less than three years will be not be considered for the Bhended Finance Programme.

Focus areas in the Development Impact Scorecard for grant amount determination:

  • Number of jobs created and/or maintained (i.e. a minimum of 10 jobs required)

  • More focus on targeted groups (i.e. youth and women entrepreneurs)

  • More focus on townships and rural based SMMEs

  • More focus on start–up and early stage SMMEs

  • More focus on the lndustrial Policy Action plan (‘lPAP') priority sectors