The Small Enterprise Finance Agency (SOC) Limited (sefa) provides financial products and services to qualifying SMMEs and Co-operatives, 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:

The Small Enterprise Development Agency (Seda) is an agency of the Department of Small Business Development (DSBD) which provides non-financial support to small enterprises and cooperatives. Seda has by far the biggest network of offices in the country, with 53 branches including 46 co-location points. Seda has presence in some townships and rural areas and has programmes targeting youth and women.