Funding

Applying for sefa funding? Get your numbers ready first

Quick answer

sefa, the government small business funder now part of sedfa, usually wants to see your business plan, recent bank statements, some form of financial statements or management accounts, and proof of registration and tax status. Funders look at whether money comes in regularly and whether you can afford repayments. Check the latest requirements on the funder's own site before you apply.

What funders commonly ask for

3 to 12 months of business bank statements
Management accounts or a draft Profit and Loss
A cash-flow view showing money in and out each month
Business plan and how you'll use the money
CIPC documents, tax number and IDs of owners

What they look for in your numbers

Regular income, not one big once-off payment
Business and personal spending kept apart
Enough left over each month to repay a loan

Build a draft Funding Readiness Pack

Turn your statements into a funder-focused draft with income trends, cash flow and a checklist of documents to gather. Then take it to your accountant to review.

Start my free preview

From R199 once-off. 30-day money-back guarantee.

Learn more

Common questions

Will FinReady SA get me approved for sefa funding?: No one can promise that. We help you prepare a clear draft of your numbers and a checklist, so your application is more complete. The funder makes the decision.
How many months of statements do I need?: Funders often ask for 6 or 12 months. Our packs cover 3, 6 or 12 months of statements.
Do I need an accountant?: Our pack is a draft for review. Many funders want signed or reviewed statements, so ask your accountant to look over it.

General information for South African small businesses, not tax, legal or financial advice. Ask your accountant or tax practitioner about your situation.