South Africa · Business & housing funding directory
Business & Housing Funding
SMME grants, development finance, and first-home subsidies in one place. Compare amounts, eligibility, and application routes, then apply directly with the responsible agency.
Show programmes for
SEDA / SEDFA Support
Grants up to R350,000 for cooperatives, R250,000 Asset Assist for equipment, plus free mentorship, incubation, and export training for South African SMMEs.
IDC Funding
Development finance from R1 million upward as loan, equity, or blend. Focus sectors: manufacturing, agro-processing, energy, mining, chemicals. Every deal is scored for job creation.
FLISP (First Home Finance)
Once-off government subsidy for first-time buyers earning R3,501 to R22,000 per month. Reduces the bond amount or lowers monthly repayments on your first home.
Compare programmes side-by-side
Every programme in this section. Click a name to see full details.
| Programme | Support | Applicant | Eligibility | How to apply |
|---|---|---|---|---|
| SEDA / SEDFA | up to R350k | SMME / co-op | 51% SA-owned | SEDFA branch |
| IDC | R1M+ | Business | Focus sectors | idc.co.za |
| FLISP | R30k-R130k | First-home buyer | R3,501 – R22k / mo | fhf.nhfc.co.za |
SEDA is now SEDFA
In 2025 SEDA and SEFA were merged into SEDFA (Small Enterprise Development and Finance Agency). Some legacy application forms still use the old names during the transition.
IDC minimums
IDC does not fund below R1 million. Below that threshold you are directed to SEDFA. Very small startups may qualify for micro-grants from the NYDA.
FLISP is bank-linked
Standard Bank, FNB, ABSA, and Nedbank can lodge FLISP on your behalf as part of the home-loan process. Ask before starting your own application.