SEFA Business Plan Guidelines & Outline


The Small Enterprise Finance Agency (sefa) provides financial products and services to qualifying SMMEs and cooperatives, as defined in the National Small Business Act of 1996 and amended in 2004, through a hybrid of wholesale and direct lending channels within the following sectors:

  • Services (including retail and wholesale trades and tourism)
  • Manufacturing (including agro-processing)
  • Agriculture (specifically land reform beneficiaries and contract-farming activities)
  • Construction (small construction contractors)
  • Mining (specifically small-scale miners)
  • Green industries (renewable energy, waste and recycling management)
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Supporting Documentation to be Included with every business plan and business loan application:All the sections of the application form must be completed (where not applicable with N/A) You are required as part of this application to furnish us with the following:

1. CV’s on all members/shareholders/directors
2. Copies of ID’s on all members /shareholders/directors
3. Marital certificates
4. Statement of assets and liabilities on all members/shareholders/directors 5. Registration certificates if business trades as CC, Pty Ltd or Trust
6. Application documents done by each member/shareholder/director
7. Personal details on third party sureties

8. Cash flow projections for at least one year, including income statement & balance sheet

9. Comprehensive business plan (refer attached structure)

10 Copy of the lease agreement if property is leased or title deed if property is owned

11. Financial statements if purchasing an existing business

12. Copy of signed franchise agreement after transaction was approved

13. Letter from Franchisor stating that he has assessed the applicant in terms of its usual requirements14. List of equipment to be financed
15. Financial statement on your existing business(es) if applicable 16. Six months Monthly Management Accounts
17. Six months Bank Statements of business trading account
18. Copy of signed Buy/Sell or Purchase Agreement
19. Any other related information requested by the bank
20. Documented proof of source of own contribution offered