Business Finance

You have several choices on how to finance your business:

  • Use your own money
  • Get a loan from friends, family, or from a financial institution
  • Get an investor to invest in your business.

Finance options to consider

Banks won't always advance you finance or extend your overdraft facility. This means you'll probably need to approach a government agency or a business fanancier. These are some of your options:

  • Business Partners
    E-mail: enquiries(at)businesspartners.co.za
    Tel: +27 (0)11 480 8700
    Fax: +27 (0) 11 642 2791
  • Industrial Development Corporation
    Gives out term loans and bridging finance of R1 million or more.
    E-mail: callcentre(at)idc.co.za
    Tel: 0860 693 888 (Call Centre), +27 (0)11 269 3000
    Fax: +27 (0)11 269 3116
    Postal address: PO Box 784055, SANDTON, 2146 (Head Office)
    Street address: 19 Fredman Drive, SANDOWN, 2196 (Head Office)
  • Khula Enterprise Finance Ltd
    For a business loan of R10 000 to R250 000.
    E-mail: helpline(at)khula.org.za
    Tel: 0800 11 8815/012 394 5560
    Fax: +27 (11) 807 8471/8457/9023
    Postal address: PO Box 4197, RIVONIA, 2128
    Street address: Bradenham Hall, Mellis Office Park, 7 Mellis Avenue, Rivonia Ext 20, JOHANNESBURG
  • National Stokvels Association of South Africa
    Mr Steven Japp
    Tel: +27 (11) 832 1054
    Fax: +27 (11) 838 1624
    Cell: 082 552 8977 
    Ntsika Enterprise Promotion Agency
    General enquiries:
    E-mail: helpline(at)nepa.org.za
    Tel: +27 (12) 483 2000
    Fax: +27 (12) 483 2054
  • National Empowerment Fund
    Their Mbewu Fund hands out finance up to R20 million, to black business owners.
    General enquiries
    Tel: +27 (11) 305 8000
    E-mail: mailto:info(at)nefcorp.co.za or info2(at)nefcorp.co.za
    Street address: 23 Melrose Boulevard, Melrose Arch, MELROSE NORTH, 2196
    Tel: +27 (11) 772 8000
    Fax: +27 (11) 772 8100
  • Umsobomvu Youth Fund
    Funds between R50 000 to R8 million aimed at black entrepreneurs. Also hands out vouchers to access support services.
    General enquiries:
    Tel: +27 (11) 651 7000

For Bank Loans, visit:



For more information go to:
SEDA (see section on "Financing Your Business")
Community Organiser's Toolbox
DTI
Big News, Western Cape Edition, issue 128, November 2007.

Updated: 17 May 2010