A map of the main state funders — who gives grants, who gives loans, and who qualifies.
Key facts
State funding comes in two flavours: grants (don’t repay) and loans/equity (repay or share ownership). Match the funder to your stage.
NYDA — National Youth Development Agency
Non-repayable grants R1,000–R200,000 for entrepreneurs aged 18–35, aimed at early-stage/survivalist businesses with potential. Comes with a mentorship commitment (min. two years).
SEFA — Small Enterprise Finance Agency
Loans from R10,000 up to R15 million (this is debt finance, not a grant). Also runs targeted support like equipment funding and grants for township & rural businesses.
NEF — National Empowerment Fund
Loans and equity from R250,000 to R75 million for black-owned and black-empowered businesses.
the dtic — Dept. of Trade, Industry & Competition
Runs cost-sharing grants such as the Black Industrialists Scheme (30–50% of qualifying costs, up to R50m) and the Agro-Processing Support Scheme. You fund the balance the grant doesn’t cover.
Need help with this? Bekin Consulting can handle it for you — from registration to filing.
Related guides
- How to qualify for funding & grants
- Grants vs loans vs equity — which funding fits?
- Beyond government: banks, IDC, incubators & competitions
- NPO vs NPC vs PBO — what’s the difference?
General information for South Africa, current to 2026 — not legal, tax or financial advice. Confirm current rules with SARS, CIPC or the DSD before acting.