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:

• Services (including retail & wholesale trades and tourism);
• Manufacturing (including agro-processing);
• Agriculture (specifically land reform beneficiaries and contract-farming activities);
• Construction (small construction contractors);
• Mining (specifically small scale miners); and
• Green industries (renewable energy, waste and recycling management).