Bridging the Equity Gapto Unlock SME Fundingin South Africa
SAEF provides the missing equity contribution that viable SMEs need to secure bank and DFI funding. We bridge the gap between "funding declined" and "project fully capitalised."
The Equity Gap Challenge
Banks and DFIs require equity contributions that many viable SMEs cannot provide
The Problem
Bank requires 20% equity contribution
SME has viable project but only 5% equity available
R15M equity shortfall
R80M bank funding blocked due to insufficient equity
Project cannot proceed
Viable business opportunity lost due to funding gap
SAEF's Solution
SAEF provides R15M equity bridge
Strategic equity investment to meet bank requirements
Bank releases R80M funding
Full project funding unlocked with SAEF equity backing
Project fully capitalised
R100M project proceeds with complete funding
Target Sectors
We focus on high-impact sectors where DFIs are active and SMEs need equity bridging
Manufacturing & Agro-processing
Industrial equipment, food processing, sustainable manufacturing
Renewable Energy & Green Tech
Solar, wind, energy efficiency, green technology
ICT & Smart Infrastructure
Digital solutions, smart cities, infrastructure tech
Healthcare
Medical devices, digital health, pharmaceutical services
Transport & Logistics
Supply chain solutions, transportation, warehousing
Tourism & Hospitality
Tourism infrastructure, hospitality services, cultural experiences
How It Works
Our streamlined process gets you from application to funding in 90-120 days
Application
Submit comprehensive business plan and financial projections
Due Diligence
Our team conducts thorough market and financial analysis
Investment Committee
Presentation to our investment committee for final approval
Term Sheet
Negotiate terms and finalize investment structure
Capital Deployment
Funds disbursed with ongoing strategic support
Investment Criteria
R2M - R50M Investment Range
Strategic equity investments to bridge funding gaps
Minimum 51% Black Ownership
Supporting transformation and inclusive growth
Proven Management Team
Track record and implementation capacity required
Key Requirements
- Bank/DFI letter of intent
- Project contracts or purchase orders
- Clear equity gap requirement
- Target sector alignment
- Job creation potential
Our Impact
Measurable results in driving South Africa's economic transformation
Ready to Scale Your Business?
Join the growing community of successful SMEs backed by SAEF. Apply today and take the next step in your growth journey.