Access to Finance and Information on Small Business Incentive Schemes


These are the main government departments, public entities and public-private partnerships that help small businesses get access to finance:

  • Financing Your Business with relevant advice and links to all the national and provincial institutions providing finance.

    The DTI itself administers several schemes and cash grants to help entrepreneurs, including:

    Full details of these and several other national incentive schemes are available on the DTI website.

    The IDC offers a range of financial products:

    • Commercial Loans
    • Equity
    • Quasi-Equity
    • Bridging Finance
    • Shareware housing
    • Guarantees
    • Suspensive sales
    • Wholesale Finance
    • Export Finance
    • Import Finance
    • Support Programme for Industrial Innovation


    Detailed information on each of these products, application forms, procedures and guidelines are available on the IDC website.

    Alternatively, you can contact the Western Cape Office:

    Office 2817

    28th Floor
    ABSA Centre
    Cnr Adderley & Riebeeck Streets
    Cape Town

    PO Box 6905, Roggebaai, 8012

    Tel: 021 421 4794/5/6
    Fax: 021 419 3570

    Small Enterprise Finance Agency (SOC) Ltd commonly known as SEFA was established on 1 April 2012 as a result of the merger of South African Micro Apex Fund, Khula Enterprise Finance Ltd and the small business activities of IDC.

    SEFA’s mandate is to foster the establishment, survival and growth of SMMEs and contribute towards poverty alleviation and job creation. SEFA has a regional footprint of nine offices around the country.

    For more information please visit the SEFA website or contact them at:

    Ninth Floor,
    FNB Building
    2 Long Street
    Cape Town

    Tel: 021 425 6774
    Fax: 021 425 6776
    Call Centre: 086000 7332 (sefa)

    CASIDRA is an organisation that promotes rural development in the Western Cape. It manages the Ikapa Absa Entrepreneurial programme, co-funded by the Provincial Government of the Western Cape and Absa. They offer business loans for rural development ranging from R10 000 to R160 000. These loans are repayable over three years at a fixed interest rate of 10%. Applicants must submit a viable business plan.

    A list of requirements and application forms are available at CASIDRA Offices.

    The CASIDRA offices are based in Paarl:

    22 Louws Avenue
    Southern Paarl

    For more information contact:

    Tel: 044 871 0134
    Fax: 086 532 8206

Provided by:
Government Body: (Western Cape Government)
The content on this page was last updated on 21 September 2017