SEFA Khula Credit Guarantee
SEFA Khula Credit Guarantee is a credit guarantee from Small Enterprise Development and Finance Agency offering between R 100 000 and R 10 000 000 for growth, established businesses across South Africa. Applications are accepted on a rolling basis.
Overview
We help you get a bank loan by guaranteeing up to 80% of the loan. This means banks are more likely to approve your application.
Programme details last updated on 22 January 2026.
Full Description
Credit guarantee scheme that helps SMMEs access finance from commercial banks by providing security for up to 80% of the loan amount.
Eligibility Criteria
Frequently Asked Questions
How much funding does SEFA Khula Credit Guarantee offer?
SEFA Khula Credit Guarantee offers between R 100 000 and R 10 000 000 per applicant.
Who qualifies for SEFA Khula Credit Guarantee?
SEFA Khula Credit Guarantee targets growth, established businesses across South Africa. Applicants need a minimum annual turnover of R 1 000 000, annual turnover below R 100 000 000, at least 2 years of trading history, B-BBEE level 4 or better.
When is the deadline for SEFA Khula Credit Guarantee?
Applications are accepted on a rolling basis.
How do I apply for SEFA Khula Credit Guarantee?
Check your eligibility with the free readiness check on Okhantu, prepare the required documents, then apply on the provider's website.
Prepare Your Application
Increase your chances of success with these preparation resources.
Provider Guide
Learn about Small Enterprise Development and Finance Agency's application process
Document Checklist
Requirements and deadlines
Download Templates
Business plan, cash flow, projections
Legal Framework
Relevant legislation and compliance
Compliance Check
Verify your CIPC, SARS, B-BBEE status
Get Expert Help
Find a funding specialist