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Products & Services
Department of Small Business Development
[DSBD]
Small Enterprise Finance Agency
[sefa]
Development Finance
Small Enterprise Development Agency
[Seda]
Business Development Support Services
DSBD Portfolio
What is it that you can offer and your competition cannot?
It must be a sustainable solution and needed by your customers
PASSION
TALENT
BUSINESS
MODEL
HAPPY BUT
POOR
JUST A DREAM
RICH BUT
BORED
#WIN
WHAT YOU
ARE GOOD AT
WHAT
PAYS WELL
WHAT
YOU LOVE
The Sweet Spot
Market Position
Priority Target Groups Addressing Market Failures
• High appetite for risk – that can be mitigated
• Provision of capital and/or interest moratorium
up to 12 months
• Financing for start up businesses
• Targets smaller loans - below R500k
• Provision of pre and post loan business support
• Provision of funding to entrepreneurs with default
judgements – on a case by case basis
• Lending not based on security backing
• Own contribution dependent on entrepreneurs
circumstances and business’ ability to carry debt
• Youth
• Entrepreneurs with disabilities
• Military veteran entrepreneurs
• Women
• Enterprises in rural communities and
townships
• Black entrepreneurs
Crowding-in private sector
financers (additionality)
Provides funding to all qualifying
entrepreneurs with specific
emphasis on under-served
SMME segments
7
Operational Model
What documentation do you need to apply?
1. Application form
2. Surety form (where applicable)
3. Certified copy of ID and that of Spouse (if married In Community of
Property [ICOP])
4. Marriage certificate (where applicable)
5. Short CV of the members/directors/ shareholders/ trustees, etc
6. Proof of residence – utility bill / sworn affidavit (not older than 3 months)
7. Valid Tax Clearance Certificate
8. Company registration documents e.g. CK2, company profile
9. Proof of CIPC/CIPRO annual fees
10.Six months latest bank statement (personal and business)
11.Loan breakdown
12.Supporting quotations (with contact person and banking details of supplier)
13.Personal Income and Expenditure Schedule and Assets & Liability Statement
14.Proof of own contribution and source (if applicable)
15.Member’s resolution to apply (if applicable)
16.If a judgment, notice, default is issued against the applicant, a letter or
document to prove that arrangements are made to settle the account or
proof that the account is settled must be provided
17.Historic financial statements (not less than 3 years – if applicable)
18.Up to date management accounts (if applicable)
19.Debtors age analysis (if applicable)
20.Creditors age analysis (if applicable)
What documentation do you need to apply…cont?
TERM LOANS AND ASSET FINANCE
• Business plan
• Cash flow projections
• Lease agreement (if applicable)
• Franchise agreement (if applicable)
BRIDGING LOAN APPLICATIONS
• Project plan and projections
• Copy of contract or order
• Completion certificate for previous work done (for construction projects only)
• NHBRC and CIDB (for construction projects only)
• Bill of quantities (for construction projects only)
Eligibility criteria
i. Applicants must be South African citizens, with valid South African Identity Documents or legal entities controlled by South
African Citizens with a valid South African Identity Documents or permanent residents who hold a valid RSA ID document
ii. Be legally constituted including sole traders with a fixed physical address
iii. The financed operations must be conducted within the borders of South Africa, and the controlling interest (>50%) of the
business enterprise must be held by a South African Citizens with a valid South African Identity Documents or permanent
residents who hold a valid RSA ID document
iv. If sefa finances transactions that take place outside its borders or of an export nature sefa must be satisfied that the proceeds
will be remitted to RSA
v. The enterprise(s) must be compliant with generally accepted corporate governance practices appropriate to the client’s legal
status
vi. The project must demonstrate ability to create new jobs as well as the desired level of development impact
Exclusions
i. Shareholder initiated exclusions, or business whose trade or operations may prejudice the reputation and good standing of
sefa
ii. Speculative real estate
iii. Speculative trading and hedging for the Institution’s own position
iv. Political parties or organisations
v. Leveraged buy-out funds or listed companies
vi. Loans to refinance existing debts
vii. People under debt review, or unrehabilitated insolvents, as well as businesses under business rescue or liquidation
viii. Business relationships and transactions with entities and individuals that contravene, in any way, the provisions of certain
legislation; Entities/individuals whose primary business involves arms related transactions
ix. Religious entities - NPOs and any other activities which could cause a moral dilemma for sefa;
Exclusions
i. Companies involved with child labour
ii. Transactions that do not contribute positively to development impact, or ventures inconsistent with the mandate of sefa
iii. Companies whose primary business involves gaming and gambling, or “morally harmful” industries – tobacco, liquor, sex trade
iv. Business relationships/transactions that transgress tax, accounting, regulatory requirements as well as societal norms and
environmental legislation
v. Any business relationships/transactions that may have the potential to threaten or damage sefa’s reputation or cause a breakdown in
trust and confidence in the Institution
vi. Primary Agriculture, except for cash crops
vii. Entities where sefa employee or board member has a financial interest
viii. Individuals and entities listed on the IDC Delinquency register
• Immediate family members of a sefa employee or a Board member, which includes life partners, parents and children
Pricing Structure
Payment Terms Maximum Fee (Negotiable)
Less than 12 months 5%
13 – 24 months 4%
25 – 36 months 3%
37 – 48 months 2%
49 – 60 months 1%
• Prime based interest rate
• Margin for risk
• Discount for developmental impact
o Jobs
o Youth
o Gender
o Rural
o Entrepreneurs with disabilities (7% fixed)
o Military veterans (9%)
• Initiation fee = percentage of loan amount (once-off)
• The scheme offer entrepreneurs with disabilities credit facilities ranging from R50 000 up to R15 million
• Preferential fixed interest rate of 7% per annum
• Repayment terms for facilities will be up to 60 months. The actual loan duration will be subject to the projected
cash flows of the business
• Normal sefa loan administration fees will apply
Additional Customised Benefits
The scheme offers the following non-financial support:
• Pre-Approval Assistance (only if required)
o Will be for up to 5% of the total intended investment but not exceeding R75 000
o Will be targeted assistance to bring the application to a bankable stage, including mentoring, technical
assistance, sourcing and negotiating with suitable suppliers
o Repayable grant and shall have a moratorium of 3 months after disbursement (if the loan application has
been approved)
• Post-Approval Assistance (for a maximum amount of up to R350 000)
o This will be used for in-depth mentoring and coaching as well as any other business support required up to 2
years
Amavulandlela Funding Scheme
• The scheme offers military veterans credit facilities ranging from R50 000 up to R15 million
• Preferential fixed interest rate of 9% per annum
• Repayment terms for facilities will be up to 60 months. The actual loan duration will be subject to the
projected cash flows of the business
• Normal sefa loan administration fees will apply
Additional Customised Benefits
The scheme offers the following non-financial support:
• Pre-Approval Assistance (only if required)
o Will be targeted assistance to bring the application to a bankable stage
• Post-Approval Assistance
o This will be used for in-depth mentoring and coaching as well as any other business support required
up to 2 years
Inyamazne Funding Scheme
TOWNSHIP AND RURAL ENTERPRISE PROGRAMMES
[TREP]
TREP Thresholds
Programme Financial Support
Small Scale Bakeries and Confectionaries
Scheme
•The financial package is structured at a maximum value of R350 000 that consist of:
• Maximum of R350 000 towards working capital, cost of equipment, or any other CAPEX
•The financial package will be offered in the form of a blended finance with a maximum grant of R50 000.
Butcheries Support Programme
The financial package is structured at a maximum value of R350 000 that consist of:
• Maximum of R350 000 towards working capital, cost of equipment, or any other CAPEX
•The financial package will be offered in the form of a blended finance with a maximum grant of R50 000.
Clothing, Leather andTextile Support
Scheme
•The financial package is structured at a maximum value of R350 000 that consist of:
• Maximum of R350 000 towards working capital, cost of equipment, or any other CAPEX.
• The financial package will be offered in the form of a blended finance with 50% of the total approved amount
being a Grant (i.e. maximum grant amount of R50 000).
Tshisanyama and open-air cooked food
businesses Support
•The financial package is structured at a maximum value of R350 000 that consist of:
• Maximum of R350 000 towards working capital, cost of equipment, or any other CAPEX
•The financial package will be offered in the form of a blended finance with 50% of the total approved amount
being a Grant (i.e. maximum grant amount of R50 000).
Programme Financial Support
Personal Care Services Support Scheme • It uses blended funding model of 50% portion loan and 50% grant funding to the maximum of R50 000 per
enterprise
• It covers working capital and cost of equipment
•The loan repayment period of 36 months will be applied at interest rate of 5%
Spaza Shop Support Programme The total amount is R15 000 [70% grant and 30% loan]
Automotive aftermarkets support • Maximum of R500 000 (R400 000 equipment and R100 000 working capital) for motor body repairers,
mechanics, and auto spares shops and auto fitment centres.
• The R500 000 will be provided by the commercial banks with a credit guarantee from sefa.
TREP Thresholds (cont.)
Small Enterprise Manufacturing Support Programme
[SEMSP]
27
Financial support
• Funding to purchase machinery and equipment for the various manufacturing sub-sectors that
will be supported
• Working capital for for the various manufacturing sub-sectors that will be supported
• Funding for product accreditation, certification and testing
Funding terms
• Funding of up to a maximum of R15 million per small enterprise
• The term of the funding will be determined by the business cash flows up to a maximum of 84
months per small enterprise with a maximum moratorium of 6 months
• Blended finance instrument will be utilised where up to 20% of the funding required could be
a grant and the balance could be a loan
• The loan will be repayable at prime lending rate
Types of support - SEMSP
28
The applicant must:
• Be a registered legal entity in South Africa in terms of the Companies Act, 1973 (as amended); Close
Corporations Act, 1984 (as amended); and the Cooperatives Act, 2005 (as amended).
• Be a 100% owned by South African citizens.
• Have been in operation for at least two years prior.
• Be predominantly black-owned (51%).
• Have a predominantly black management team (51%).
• Be registered and compliant with the South African Revenue Service (where applicable).
• Must be registered on the National SMME Database – https://smmesa.gov.za
Eligibility criteria - SEMSP
29
1. Complete the simplified online application platform
2. Company statutory documents
3. FICA documents
4. Certified ID copies of Directors/Members
5. 6 months bank Statements
6. Latest AFS and/or Management Accounts not older than 3 months from date of application (Statement of Financial Performance and Statement
of Financial Position) – where applicable
7. Business Profile
8. Project Execution Plan
9. 12 months Cash Flow Projections (with clear assumptions) – where applicable
10.Copy of Lease Agreement or Proof of Ownership
11.Relevant industry certification – where applicable
12.Copy of Contract or Purchase Order
13.Facility Statements of Other Funders - where applicable
14.Quotations for applied funding
Application Requirements - SEMSP
Funding Template
https://systems.sefa.org.za/SMMEPortal
1. Company Information
2. Shareholder(s) Information
3. Company Structure
4. Business Operations
5. Products and Services
6. Market (Industry) Analysis
7. Target Market
8. Marketing Strategy
9. Sales Strategy
10. Competitive Environment
11. Location
12. External Environment (PEST)
13. Funding Requirements
14. Financial Model
15. Banking Information
16.Supplier Information
17. Staffing
18. Compliance Environment
19. SWOT Analysis
sefa’s Footprint
32
CONTACT US
Website www.sefa.org.za
Switchboard 27 12 748 9600
Central Email helpline@sefa.org.za
Twitter @TheRealSEFA
Facebook SmallEnterpriseFinanceAgency
Linkedin the-small-enterprise-finance-agency
THANK YOU.

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SEFA presentation 24 Aug 2021

  • 2. Department of Small Business Development [DSBD] Small Enterprise Finance Agency [sefa] Development Finance Small Enterprise Development Agency [Seda] Business Development Support Services DSBD Portfolio
  • 3. What is it that you can offer and your competition cannot? It must be a sustainable solution and needed by your customers
  • 4. PASSION TALENT BUSINESS MODEL HAPPY BUT POOR JUST A DREAM RICH BUT BORED #WIN WHAT YOU ARE GOOD AT WHAT PAYS WELL WHAT YOU LOVE The Sweet Spot
  • 5. Market Position Priority Target Groups Addressing Market Failures • High appetite for risk – that can be mitigated • Provision of capital and/or interest moratorium up to 12 months • Financing for start up businesses • Targets smaller loans - below R500k • Provision of pre and post loan business support • Provision of funding to entrepreneurs with default judgements – on a case by case basis • Lending not based on security backing • Own contribution dependent on entrepreneurs circumstances and business’ ability to carry debt • Youth • Entrepreneurs with disabilities • Military veteran entrepreneurs • Women • Enterprises in rural communities and townships • Black entrepreneurs Crowding-in private sector financers (additionality) Provides funding to all qualifying entrepreneurs with specific emphasis on under-served SMME segments
  • 7. What documentation do you need to apply? 1. Application form 2. Surety form (where applicable) 3. Certified copy of ID and that of Spouse (if married In Community of Property [ICOP]) 4. Marriage certificate (where applicable) 5. Short CV of the members/directors/ shareholders/ trustees, etc 6. Proof of residence – utility bill / sworn affidavit (not older than 3 months) 7. Valid Tax Clearance Certificate 8. Company registration documents e.g. CK2, company profile 9. Proof of CIPC/CIPRO annual fees 10.Six months latest bank statement (personal and business) 11.Loan breakdown 12.Supporting quotations (with contact person and banking details of supplier) 13.Personal Income and Expenditure Schedule and Assets & Liability Statement 14.Proof of own contribution and source (if applicable) 15.Member’s resolution to apply (if applicable) 16.If a judgment, notice, default is issued against the applicant, a letter or document to prove that arrangements are made to settle the account or proof that the account is settled must be provided 17.Historic financial statements (not less than 3 years – if applicable) 18.Up to date management accounts (if applicable) 19.Debtors age analysis (if applicable) 20.Creditors age analysis (if applicable)
  • 8. What documentation do you need to apply…cont? TERM LOANS AND ASSET FINANCE • Business plan • Cash flow projections • Lease agreement (if applicable) • Franchise agreement (if applicable) BRIDGING LOAN APPLICATIONS • Project plan and projections • Copy of contract or order • Completion certificate for previous work done (for construction projects only) • NHBRC and CIDB (for construction projects only) • Bill of quantities (for construction projects only)
  • 9. Eligibility criteria i. Applicants must be South African citizens, with valid South African Identity Documents or legal entities controlled by South African Citizens with a valid South African Identity Documents or permanent residents who hold a valid RSA ID document ii. Be legally constituted including sole traders with a fixed physical address iii. The financed operations must be conducted within the borders of South Africa, and the controlling interest (>50%) of the business enterprise must be held by a South African Citizens with a valid South African Identity Documents or permanent residents who hold a valid RSA ID document iv. If sefa finances transactions that take place outside its borders or of an export nature sefa must be satisfied that the proceeds will be remitted to RSA v. The enterprise(s) must be compliant with generally accepted corporate governance practices appropriate to the client’s legal status vi. The project must demonstrate ability to create new jobs as well as the desired level of development impact
  • 10. Exclusions i. Shareholder initiated exclusions, or business whose trade or operations may prejudice the reputation and good standing of sefa ii. Speculative real estate iii. Speculative trading and hedging for the Institution’s own position iv. Political parties or organisations v. Leveraged buy-out funds or listed companies vi. Loans to refinance existing debts vii. People under debt review, or unrehabilitated insolvents, as well as businesses under business rescue or liquidation viii. Business relationships and transactions with entities and individuals that contravene, in any way, the provisions of certain legislation; Entities/individuals whose primary business involves arms related transactions ix. Religious entities - NPOs and any other activities which could cause a moral dilemma for sefa;
  • 11. Exclusions i. Companies involved with child labour ii. Transactions that do not contribute positively to development impact, or ventures inconsistent with the mandate of sefa iii. Companies whose primary business involves gaming and gambling, or “morally harmful” industries – tobacco, liquor, sex trade iv. Business relationships/transactions that transgress tax, accounting, regulatory requirements as well as societal norms and environmental legislation v. Any business relationships/transactions that may have the potential to threaten or damage sefa’s reputation or cause a breakdown in trust and confidence in the Institution vi. Primary Agriculture, except for cash crops vii. Entities where sefa employee or board member has a financial interest viii. Individuals and entities listed on the IDC Delinquency register • Immediate family members of a sefa employee or a Board member, which includes life partners, parents and children
  • 12. Pricing Structure Payment Terms Maximum Fee (Negotiable) Less than 12 months 5% 13 – 24 months 4% 25 – 36 months 3% 37 – 48 months 2% 49 – 60 months 1% • Prime based interest rate • Margin for risk • Discount for developmental impact o Jobs o Youth o Gender o Rural o Entrepreneurs with disabilities (7% fixed) o Military veterans (9%) • Initiation fee = percentage of loan amount (once-off)
  • 13. • The scheme offer entrepreneurs with disabilities credit facilities ranging from R50 000 up to R15 million • Preferential fixed interest rate of 7% per annum • Repayment terms for facilities will be up to 60 months. The actual loan duration will be subject to the projected cash flows of the business • Normal sefa loan administration fees will apply Additional Customised Benefits The scheme offers the following non-financial support: • Pre-Approval Assistance (only if required) o Will be for up to 5% of the total intended investment but not exceeding R75 000 o Will be targeted assistance to bring the application to a bankable stage, including mentoring, technical assistance, sourcing and negotiating with suitable suppliers o Repayable grant and shall have a moratorium of 3 months after disbursement (if the loan application has been approved) • Post-Approval Assistance (for a maximum amount of up to R350 000) o This will be used for in-depth mentoring and coaching as well as any other business support required up to 2 years Amavulandlela Funding Scheme
  • 14. • The scheme offers military veterans credit facilities ranging from R50 000 up to R15 million • Preferential fixed interest rate of 9% per annum • Repayment terms for facilities will be up to 60 months. The actual loan duration will be subject to the projected cash flows of the business • Normal sefa loan administration fees will apply Additional Customised Benefits The scheme offers the following non-financial support: • Pre-Approval Assistance (only if required) o Will be targeted assistance to bring the application to a bankable stage • Post-Approval Assistance o This will be used for in-depth mentoring and coaching as well as any other business support required up to 2 years Inyamazne Funding Scheme
  • 15. TOWNSHIP AND RURAL ENTERPRISE PROGRAMMES [TREP]
  • 16. TREP Thresholds Programme Financial Support Small Scale Bakeries and Confectionaries Scheme •The financial package is structured at a maximum value of R350 000 that consist of: • Maximum of R350 000 towards working capital, cost of equipment, or any other CAPEX •The financial package will be offered in the form of a blended finance with a maximum grant of R50 000. Butcheries Support Programme The financial package is structured at a maximum value of R350 000 that consist of: • Maximum of R350 000 towards working capital, cost of equipment, or any other CAPEX •The financial package will be offered in the form of a blended finance with a maximum grant of R50 000. Clothing, Leather andTextile Support Scheme •The financial package is structured at a maximum value of R350 000 that consist of: • Maximum of R350 000 towards working capital, cost of equipment, or any other CAPEX. • The financial package will be offered in the form of a blended finance with 50% of the total approved amount being a Grant (i.e. maximum grant amount of R50 000). Tshisanyama and open-air cooked food businesses Support •The financial package is structured at a maximum value of R350 000 that consist of: • Maximum of R350 000 towards working capital, cost of equipment, or any other CAPEX •The financial package will be offered in the form of a blended finance with 50% of the total approved amount being a Grant (i.e. maximum grant amount of R50 000).
  • 17. Programme Financial Support Personal Care Services Support Scheme • It uses blended funding model of 50% portion loan and 50% grant funding to the maximum of R50 000 per enterprise • It covers working capital and cost of equipment •The loan repayment period of 36 months will be applied at interest rate of 5% Spaza Shop Support Programme The total amount is R15 000 [70% grant and 30% loan] Automotive aftermarkets support • Maximum of R500 000 (R400 000 equipment and R100 000 working capital) for motor body repairers, mechanics, and auto spares shops and auto fitment centres. • The R500 000 will be provided by the commercial banks with a credit guarantee from sefa. TREP Thresholds (cont.)
  • 18. Small Enterprise Manufacturing Support Programme [SEMSP]
  • 19. 27 Financial support • Funding to purchase machinery and equipment for the various manufacturing sub-sectors that will be supported • Working capital for for the various manufacturing sub-sectors that will be supported • Funding for product accreditation, certification and testing Funding terms • Funding of up to a maximum of R15 million per small enterprise • The term of the funding will be determined by the business cash flows up to a maximum of 84 months per small enterprise with a maximum moratorium of 6 months • Blended finance instrument will be utilised where up to 20% of the funding required could be a grant and the balance could be a loan • The loan will be repayable at prime lending rate Types of support - SEMSP
  • 20. 28 The applicant must: • Be a registered legal entity in South Africa in terms of the Companies Act, 1973 (as amended); Close Corporations Act, 1984 (as amended); and the Cooperatives Act, 2005 (as amended). • Be a 100% owned by South African citizens. • Have been in operation for at least two years prior. • Be predominantly black-owned (51%). • Have a predominantly black management team (51%). • Be registered and compliant with the South African Revenue Service (where applicable). • Must be registered on the National SMME Database – https://smmesa.gov.za Eligibility criteria - SEMSP
  • 21. 29 1. Complete the simplified online application platform 2. Company statutory documents 3. FICA documents 4. Certified ID copies of Directors/Members 5. 6 months bank Statements 6. Latest AFS and/or Management Accounts not older than 3 months from date of application (Statement of Financial Performance and Statement of Financial Position) – where applicable 7. Business Profile 8. Project Execution Plan 9. 12 months Cash Flow Projections (with clear assumptions) – where applicable 10.Copy of Lease Agreement or Proof of Ownership 11.Relevant industry certification – where applicable 12.Copy of Contract or Purchase Order 13.Facility Statements of Other Funders - where applicable 14.Quotations for applied funding Application Requirements - SEMSP
  • 22. Funding Template https://systems.sefa.org.za/SMMEPortal 1. Company Information 2. Shareholder(s) Information 3. Company Structure 4. Business Operations 5. Products and Services 6. Market (Industry) Analysis 7. Target Market 8. Marketing Strategy 9. Sales Strategy 10. Competitive Environment 11. Location 12. External Environment (PEST) 13. Funding Requirements 14. Financial Model 15. Banking Information 16.Supplier Information 17. Staffing 18. Compliance Environment 19. SWOT Analysis
  • 24. 32 CONTACT US Website www.sefa.org.za Switchboard 27 12 748 9600 Central Email helpline@sefa.org.za Twitter @TheRealSEFA Facebook SmallEnterpriseFinanceAgency Linkedin the-small-enterprise-finance-agency