Professional Documents
Culture Documents
The small micro and medium enterprise (SMME) sector remains one of the key policy focus areas of
the South African government since the advent of democracy in 1994. All over the world small
businesses are seen as important actors in economic development, job creation and equity. While
the government has made significant strides in small business development specifically in facilitating
access to information and advice, the small business strategy (2005-2014) published by the
Department of Trade and Industry (the dti), emphasises limited co-ordination on SMME support
programmes as one of the shortfalls on SMME development in the country.
Across the country, a broad range of support programmes targeted at small businesses are provided
by different government departments and institutions as well as the private sector. However, the
level of utilisation of these support programmes by the small businesses was not as anticipated. This
results in small businesses not benefiting as much as they could from available support. One of the
main reasons why this is so is that, despite concerted efforts by various support agencies to
communicate their offerings to small businesses, there is lack of a single source of information of all
available support programmes and on how to access them.
This National SMME Directory is developed with the intention to strengthen integration of SMME
support programmes offered by government, private sector and donor institutions. It is yet another
initiative by the dti, to improve the country‟s small business support environment. It is hoped that
with this important resource at their disposal, small businesses will take advantage of the vast array
of support programmes designed for their benefit to improve the operation and success of their
enterprises. As support programmes evolve, with new programmes emerging and some closing, the
Directory will similarly be revised annually in order to capture and present the most up-to-date
information.
It gives me great pleasure, on behalf of the dti, to offer this important resource to the country‟s small
businesses. We encourage each user, be it small business, a business organization, a small
business support agency, and many others, to spread the word about the Directory and to encourage
its use as widely as possible. This will ensure widespread utilisation of this important information
tool.
MARIA NTULI, MP
DEPUTY MINISTER OF TRADE AND INDUSTRY
Introduction ....................................................................................................................................... 3
How the Directory is Structured ...................................................................................................... 4
Key National Small Business Agencies ......................................................................................... 5
Khula Enterprise Finance Limited ............................................................................................. 5
National Youth Development Agency (NYDA) ......................................................................... 5
Small Enterprise Development Agency (SEDA) ....................................................................... 6
Tshumisano Trust ..................................................................................................................... 7
Business Competitions and Awards .............................................................................................. 8
Credit Indemnity / Guarantee ......................................................................................................... 13
Exhibitions ....................................................................................................................................... 15
Export Development ....................................................................................................................... 16
Finance............................................................................................................................................. 17
National ............................................................................................................................................ 17
Youth ...................................................................................................................................... 28
Women ................................................................................................................................... 29
Provincial ........................................................................................................................................ 32
Gauteng .................................................................................................................................. 32
Mpumalanga ........................................................................................................................... 33
KwaZulu-Natal ........................................................................................................................ 35
Eastern Cape .......................................................................................................................... 36
Free State ............................................................................................................................... 39
Limpopo .................................................................................................................................. 40
Incentives and Grants .................................................................................................................... 41
Incubation ........................................................................................................................................ 47
Industry-Specific Programmes ...................................................................................................... 53
Linkages and Partnerships ............................................................................................................ 57
Mentorship ....................................................................................................................................... 59
Networking ...................................................................................................................................... 61
Other Support Programmes .......................................................................................................... 62
Premises .......................................................................................................................................... 65
Technology Advice and Transfer .................................................................................................. 66
Industry-Specific Support .............................................................................................................. 72
Training and Technical Assistance ............................................................................................... 74
Venture Capital ................................................................................................................................ 77
Women Enterprise Programmes ................................................................................................... 78
Directory Contact Details ............................................................................................................... 80
The South African government attaches a high level of importance to small business development as
a means to contribute to national economic growth and development and job creation. The
Government has established a number of national, provincial and local level institutions and
programmes to support small businesses across the country. However, experience shows that in
some instances these programmes are not fully utilised by small businesses.
One of the reasons that this is the case is that there is lack of information that is easily accessible to
small businesses about these programmes - what they are, how they work, who qualifies to use
them, what procedures are to be followed to get assistance and how to contact the institutions
implementing the programmes. This Directory has been compiled in order to close this information
gap. It is intended as a quick reference guide on programmes of various kinds available throughout
the country.
The Directory covers programmes offered by national, provincial and local government and their
institutions and those offered by other role players such as donors and large corporations. The
Directory is organised according to programme, rather than the institution that offers it. As an
example, if the reader is looking for financing programmes, he or she will find these under the
„finance‟ section of the Directory, rather than under a particular institution. Where applicable,
programmes are arranged by level (e.g. national and provincial) and then by whether it is a general
programme (that is, one open to all small businesses) or one targeting a specific group such as youth
and women.
Each programme is described as much as possible in order to give the reader as clear a sense as
possible as to the nature of the programme, its target group, its geographical coverage, qualifying
criteria, application procedure and contact details. However, only what is considered key information
is given, in order to avoid the Directory becoming too voluminous. Also, it was not possible to provide
the desired amount of detail in all cases, due to the limited nature of publicly available information on
some programmes.
While every attempt has been made to cover as many programmes as possible, it is accepted that
some programmes may have been left out. It is the intention of the dti to update this Directory on an
annual basis. Users are therefore requested to forward information they may have on programmes
not covered in this first edition of the Directory to contactus@thedti.gov.za for inclusion in the next
edition. We also invite users to feel free to give us any feedback they may have on how the future
editions of this Directory may be improved.
The Directory is arranged according to small business support programme, not according to the
institution offering the programme. So, if you are looking for a programme on incubation, for example,
look under the section headed „incubation‟. All incubation programmes will be covered under this
section regardless of whether they are offered by a government small business support agency, a
private sector company or a donor.
In cases where different support programmes are available nationally and provincially, and for
different target groups such as women and youth but under the same category of support, the
Directory is presented as follows:
The above arrangement does not apply to all programmes covered in the Directory as some
programmes are offered by the same institution at national, provincial and local level and cover all
target groups. In that case, no specific mention is made of whether the programme is national or
provincial but national and provincial contact details are given.
The South African Government has a number of institutions and programmes for small business
development nationally. The government‟s main national institutions for small business development
are listed below. Their small business support programmes are presented in detail in the body of the
Directory.
K T
hula Enterprise Finance Ltd, an agency he NYDA, a youth-focused agency
of the Department of Trade and Industry located within the Presidency, exists to
(the dti) is a wholesale finance institution initiate, facilitate, implement, coordinate
which operates across the public and private and monitor youth development interventions
sectors through a network of channels to supply aimed at reducing youth unemployment and
funding to small business. promoting social cohesion. The NYDA‟s primary
target group is young people aged between 14
Khula operates through a network of financial and 35 years. Its mandate is to:
intermediaries across the country. Its channels
Advance youth development through
include South Africa's leading commercial
guidance and support to initiatives
banks, retail financial institutions and specialist
across sectors of society and spheres of
funds and joint ventures in which Khula itself is
government.
a participant.
Embark on initiatives that advance the
Its primary aim is to bridge the "funding gap" in economic development of young people.
the SME market not addressed by commercial Develop and coordinate the
financial institutions. Details of Khula‟s products implementation of the Integrated Youth
and services appear under the „finance‟, Development Plan and Strategy for the
„mentorship‟, „credit indemnity / guarantee‟ country.
and „premises‟ sections of this publication.
The Agency‟s economic participation
programme is aimed at enhancing the
For a list of Khula and intermediaries
participation of young people in the economy
countrywide visit www.khula.org.za or contact
through targeted and integrated programmes.
the company at the details below:
The NYDA will support both for-profit
businesses as well as social enterprises that
Contact Details promote job placement, self employment and
income generating activities. Details of the
Khula Head Office NYDA‟s financing programmes appear under
the dti Group Campus the „youth finance‟ section of this publication.
1st Floor For details of the Agency‟s offices countrywide
visit www.nyda.gov.za or contact the Agency at
Block G
the details below.
77 Meintjies Street
Sunnyside Contact Details
Sharecall: 086 005 4852
Call Centre:
www.khula.org.za Tel: 086 009 6884
Fax: 086 606 6563
www.nyda.gov.za
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he Small Enterprise Development Agency Provides practical answers and guidance to
(Seda), an agency of the Department of
potential entrepreneurs who want to start their
Trade and Industry (the dti), supports the
establishment and growth of small enterprises own business and get it right the first time.
in South Africa.
Seda Business Start
Seda aims to enhance the competitiveness and Provides instruments and techniques to plan
sustainability of small enterprises by providing the business for enhanced success.
needs-based programmes, products and
services. Seda Business Build
Provides professional services to help the
The organisation works with new businesses as entrepreneur build a stronger business.
well as with existing ones which seek to
strengthen their competitiveness and growth. Seda Business Grow
Seda‟s services to entrepreneurs include: Provides the entrepreneur with skills and
knowledge to increase market share for the
business.
Business registrations;
Business planning; The Franchise Support Programme
Export development; Promotes the business of franchising to new
Access to domestic and international and current entrepreneurs by advising them
markets; about potential franchisee and franchisor
opportunities.
Cooperatives support;
Access to technology; National Procurement Programme
Training and mentoring. Provides access for small businesses to
procure and tender in the public and private
sector.
T
The Tourism and Cultural industries shumisano Trust is the implementation
Programme agency for the Department of Science and
Technology. The Trust provides technical
Supports both direct and indirect tourism
and financial support to Technology Stations,
initiatives through networking and training.
which are based at Universities of Technology
countrywide.
The Access to Finance Programme
Assists small enterprises with business plan The Technology Stations in turn offer technical
development and referral to commercial banks support to existing SMEs in terms of technology
and development finance institutions. Seda solutions, services and training. For more
does not lend money directly to small details on the institution‟s Technology Stations
enterprises. and their services and contact details see the
„technology advice and transfer‟ section of
Seda also aims to improve the capacity of this publication.
service providers to better serve small
enterprises, ensuring access to essential
support services as well as facilitating access to Contact Details
finance and business opportunities.
Units U16 & U17
For details on the seda Technology Programme First Floor
see the „incubation‟ section and for the Enterprise Centre
Agency‟s export development programme see
6 Mark Shuttleworth Street
the „export development‟ section of this
publication. The Innovation Hub
Preseqour, Extention 10
For information on Seda‟s offices countrywide Pretoria
visit www.seda.org.za or contact the Agency at Tel: 012 844 0413
the details below. Fax: 012 844 0412
E-mail: reception@tshumisano.co.za
www.seda.org.za
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he Believe Begin Become programme The business plan must have been
awards winning participants with financial written by the owner.
support in the form of seed capital as well
The owner must demonstrate industry
as practical assistance in the form of business
knowledge and experience.
development services. The awards
are sponsored by Standard Bank. Believe The business must be in existence for at
Begin Become promotes entrepreneurial least 6 months, with potential for growth.
success by offering knowledge, tools and
networks to entrepreneurs who have good Current revenues should be between
ideas, personal commitment and a will to R240,000.00 and R3-million.
succeed. The programme also provides training
The business should show a readiness to
and mentorship.
attract at least R160,000.00 in additional
funding.
Semi-finalists in the competition, the top 80
entrepreneurs, participate in an intensive The business should show growth
business training course aimed at providing in- potential and ability to create at least 10
depth understanding the full growth potential of new jobs in rural / peri-urban areas in the
the business and knowledge of key business next 24 months.
plan components, how to structure the
business plan and where to source information. The business should be operation in the
This group also gains exposure to respected following job creating sectors:
entrepreneurs, business professionals and construction, tourism, light manufacturing,
fellow entrepreneurs who have applied to the agriculture (including agro-processing)
competition. Competition finalists, the top 40 and renewable energy.
entrepreneurs, receive assistance in refining
their business plan and preparing the final The entrant must be referred by Seda.
business plan and presentation to use in pursuit
of investment capital, developing their Application procedure
presentation skills and experience, and
publicity. The application form for the competition can be
accessed as follows:
Competition winners, the top 20 entrepreneurs,
receive access to a network of service providers Downloading from the Believe Begin
including financing institutions, business Become web site www.believe-begin-
development services worth R35,000.00 and become.com.
ongoing business advisory services for one
year. The top 10 to also receive R75,000.00 From all SEDA branch offices throughout
each in seed capital. South Africa.
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Proof of R100.00 application fee payment he annual Business Partners Entrepreneur
of the Year® Award was initiated in 1989
Completed form. to give recognition to the vision,
innovation, perseverance, drive and
Signed copy of the participant agreement.
commitment of the individuals who run
A4 page business summary (1.5 spaced, successful small and medium enterprises.
typed 12 font).
Each year this event recognises and celebrates
A copy of the entrant‟s ID or valid extraordinary entrepreneurial achievement by a
passport. small and medium enterprise.
TechnoServe
13th Floor Contact Details
25 Owl Street
Auckland Park For contact details please refer to the back of
www.believe-begin-become.com
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he objective of the Eskom Business he Business LaunchPad is South Africa‟s
Investment Competition, launched in biggest annual business plan competition
March 2008, is to identify the best SMMEs for entrepreneurs who want to start a new
from the agriculture, manufacturing and business or expand an existing one. The aim of
services sectors with a view to further the competition is to promote entrepreneurship
developing their skills and capacity to enhance in South Africa by:
their business performance, as well as ensure
that these enterprises operate in an energy- Fast-tracking the start-up and growth of
efficient manner. The competition selects three businesses with great potential and
finalists per province representing a registered, supporting their long-term success.
black-owned SMME, one each from the
Encouraging entrepreneurs to sharpen
agricultural, manufacturing and services
their business acumen, improve their
sectors. As part of the finalists‟ prizes, the 20
business plan thinking and develop their
SME finalists have the opportunity to showcase
writing skills.
their products or services in fully subsidised
stands at the Eskom Small Business Expo. Encouraging individuals with good
business ideas to take that critical “first
step”.
In addition to the finalists participating in the
expo at no cost to them, there are two runners- Promoting eco-friendly & environmentally
up, each receiving R100,000.00 to enhance sustainable businesses.
their businesses and the overall winner receives Facilitating the provision of funding to
R200,000.00 towards the enhancement of their entrepreneurs who meet the criteria of
business. the competition‟s funding partners.
Showcasing the winning entrants as role
The following criteria are used to select entries:
models to encourage other
entrepreneurs.
A business entering the competition must
be South African-owned and formally
registered. Eligibility
Only Black-owned enterprises in the
The competition is open to any South African
agricultural, manufacturing or services
citizen or legal permanent resident over 18
sectors can enter the competition.
years. Contestants can enter as an individual
Finalists have to agree to participate in or as a group of up to three people. It is not a
the Eskom small business expo, which is requirement to have a registered business or
held in Midrand annually in September. company to enter. The following forms of
Finalists‟ business premises are visited to business entity may enter: a (Pty) Ltd company,
verify the entry and to conduct energy a Close corporation, a sole proprietorship and a
efficiency audits. partnership. Entrants can enter in any of the
following industry sectors: manufacturing;
construction; agri-business and agri-processing;
Contact Details information and communication technologies;
tourism; media, marketing and communication;
For information on Eskom Business
“green” business; transport and logistics;
Investment Competition offices countrywide
personal services and business and
please refer to the back of the Directory.
professional services.
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aunched in 1995 as a poverty alleviation Free State, Northern Cape, North West
programme, KickStart has subsequently Victor Motaung
become a platform to stimulate sustainable SAB Corporate Affairs Department
enterprise development. Specifically, KickStart Bloemfontein
promotes business awareness through training, Tel: 086 172 2256
supplying grants as start-up capital and
providing post-training mentorship and
CAPE
assistance during the setting-up phase of the
business. Eastern & Western Cape
Nomnotho Madide
KickStart is aimed at youth (18-35) from SAB Corporate Affairs Department
previously disadvantaged backgrounds that Claremont
either want to start businesses or expand their Tel: 021 658 7511
existing business. Over the years, KickStart has
become one of the largest entrepreneurship EGOLI
development projects run by a private sector
East & West Rand, Johannesburg Central
company.
Angela Kgasago
KickStart operates in the form of an annual SAB Corporate Affairs Department
competition. Various media campaigns are run Isando
in the SAB regions between April and June Tel: 011 571 1000
every year. Young people who meet the above
criteria and are interested in entering the EAST COAST
competition complete an official KickStart entry
KZN and part of Eastern Cape
form which is obtainable from their nearest SAB
Nqobile Hadebe
Regional Office or can be downloaded from the
KickStart website (see below). SAB Corporate Affairs Department
Durban
Entry forms are only available and can only be Tel: 031 910 1386
accepted between May and June of every year.
Outside this period interested young people can NORTH
call 011 881 8101 to have their name placed on
Limpopo, Mpumalanga, Pretoria
a database and an application form will be sent
Brenda Pelo
to them once the competition is launched.
SAB Corporate Affairs Department
SAB gives support to the winning businesses in Centurion
the form of grants and mentorship to "KickStart" Tel: 012 621 9142
them. These grants range from R30,000.00 to
R250,000.00 per grant, and mentorship takes www.sabkickstart.co.za
place over a period of six to eight months.
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he Khula Credit Indemnity Scheme was The entrepreneur must provide own
established to give access to finance to contribution towards a start-up or
people who wish to start or expand small expansion of the business.
to medium sized businesses but do not have
sufficient collateral / security to support facilities
Application procedure
provided by participating banks. The scheme
covers facilities from R10,000.00 to R3-million. Approach any participating bank of your
Entrepreneurs seeking a Khula credit indemnity choice and submit your business plan for
can either approach a Khula Credit Indemnity a facility application.
partner financial institution (ABSA, First National
If you do not have enough collateral,
Bank, Nedbank and Standard Bank) or a Khula
inform the bank and request them to
Regional Office for assistance with business
approach Khula for an indemnity on your
plan development and / or advice. The partner
behalf.
financial institution will then assess the business
plan and facilitate the application in terms of its The bank will assess the business plan
lending criteria. Once the application has been and your application in terms of the
approved, the financial institution will approach bank's own lending criteria and decide if
Khula for indemnity cover and a mentor may be the business will be able to cover the
appointed to help with implementation of the business expenses and the monthly
business plan, setting up operational systems instalments and remain sustainable.
and general business management. The If the bank believes that the business will
financial institution manages the facility and succeed, the facility is then approved and
collects payments for the duration of the facility. a facility proposal is submitted to Khula
The full payment of the facility remains the for an indemnity application.
responsibility of the applicant. Khula considers the proposal and
assesses the need for assisting the
Qualifying criteria business with indemnity. The indemnity
can only be used when the SME cannot
To be considered for assistance under the
provide enough collateral or security
Khula Credit Indemnity Scheme, the applicant
themselves. The bank manages the loan
must meet the following criteria:
and collects your instalments for the
An owner-managed business - the owner duration of the loan.
should be involved in the day-to-day
running of the business on a full-time
basis. Contact Details
The business activity must be situated in
the Republic of South Africa. Khula Head Office
the dti Group Campus
The business must be conducted with a
profit motive and be economically viable. 1st Floor
Block G
The borrower must be able to repay the
bank facility. 77 Meintjies Street
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hembani International Guarantee Fund
(TIGF) was established in 1996 as a The total guarantee requirement by the
Section 21 (not-for-profit) organisation borrower should not exceed 75% of the
through a partner initiative founded by black credit facility required and not exceed
South Africans living in exile in the United R10-million.
States. TIGF uses loan and grant capital raised
In addition to fixed assets, guarantees
from individuals and organisations in the United
should be secured by cessions of stocks
States and Europe as security for guarantees to
and book debtors.
cover loans from South African banks. TIGF
provides partial guarantees (up to a maximum
of 75% of the loan) for loans from South African Contact Details
banks to approved borrowers, for a period of 1
to 3 years. Local banks and borrowers are
Mr Tshepo Semenya
required to share the credit risk.
Guarantee & Program Administrator
2nd Floor
TIGF does not lend money directly to
Hatfield Plaza
borrowers. TIGF monitors progress on projects
to which credit guarantees have been issued. South Tower
Loans must be repaid regularly according to the 112 Burnett Street
loan agreement. Hatfield
Pretoria
Tel: 012 362 0802 / 0743
Application procedure
Fax: 012 362 0803
E-mail: tshepo@tigf.co.za
The applicant approaches the bank to
request the financing facilities well in www.tigf.co.za
advance.
14
S
mall Business Week, which is organised Contact Details
by the City of Cape Town in partnership
with the Provincial Government of the Gladys Mogano
Western Cape and Small Enterprise Tel: 011 549 8300
Development Agency (SEDA), is a week-long Fax: 011 549 8506
event that facilitates access to business
information, opportunities & skills development www.eskomsmmeexpo.co.za
workshops through business opportunity
exhibitions, business linkage programmes,
seminars, workshops, and networking events. ETHEKWINI SMME FAIR
The event takes place annually in November.
T
Contact Details he eThekwini SMME Fair, hosted by the
municipality‟s Business Support and
Markets Unit, with the support of the
Dominique Vincent
Durban Chamber of Commerce and Industry,
City of Cape Town
SEDA eThekwini and the KZN Department of
Tel: 021 483 9117
Economic Development and Tourism, takes
E-mail: dvincent@pgwc.gov.za
place at the Durban Exhibition Centre annually
www.smallbusinessweek.co.za in September. The fair is the ideal networking
platform for enterprising business people of all
backgrounds and levels of business, to
showcase their products and services. The
ESKOM SMALL BUSINESS EXPO event caters for entrepreneurs in all sectors of
industry. It showcases high quality goods and
T
services produced by SMMEs and facilitates
he Eskom Small Business Expo (ESBE)
business linkages and opportunities. Running
provides an opportunity for previously
concurrently with the fair is a conference and
disadvantaged SMMEs to showcase their
business linkage programme, which add value
goods and services, thereby facilitating direct
to the exhibition and are equally as
access for SMMEs to business opportunities,
popular. The Business Linkage Programme
which include access to finance and markets,
aims to introduce SMMEs to corporates to help
government, public and private enterprise, as
them gain access to business opportunities.
well as capacity building via business
Participation in the programme begins with
development service providers. The expo
registration and selection of SMMEs who meet
regularly attracts procurement decision-makers
the criteria. The Business Support and Market
and buyers from multinational as well as large,
Unit‟s role is to seek appropriate opportunities,
medium and even small businesses. Eskom‟s
match them with selected SMMEs and monitor
own procurement decision-makers use the expo
the programme.
to identify new product and service providers.
To qualify for subsidies, participating
businesses must be black-owned, registered Contact Details
South African SMMEs that focus on
manufacturing or services and have five or Ikhono Communications
more permanent employees. Tel: 031 266 9937 / 8
E-mail: info@ikhono.co.za
The expo also gives aspiring entrepreneurs the
chance to network with established SMMEs, www.durban.gov.za
15
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he objectives of the Trade Point
SMME EXPORT PROMOTION PROJECT Programme, managed by Seda, are to
increase the participation of small
enterprises in international trade, support small
T
he City of Johannesburg‟s SMME Export enterprises to trade more efficiently and assist
Promotion Project trains and mentors Trade Points to become one-stop-shops where
small businesses in various sectors of the small enterprises can obtain a full set of
city‟s economy, with a view to enabling them to services with regard to trade information and
expand into the export market. other related aspects.
16
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he business development leg of Anglo opportunities to black-empowered
Zimele involves an investment fund which SMEs. Anglo Zimele supports BEE
provides loan and equity finance to enterprises through equity and loan
support start-up or expansion businesses. finance, and provides hands-on support
Anglo Zimele actively pursues investment and guidance to the various investments
opportunities at the Anglo American in areas such as corporate governance,
Corporation‟s operating divisions. All potential safety, health, environment, legal,
opportunities must exhibit commercial viability accounting, company secretarial aspects
and growth prospects and must seek to actively and public relations.
involve an entrepreneur in the daily operations
of the business. Once a credible investment
opportunity has been identified, the Anglo Contact Details
Zimele team seeks out a suitable black
empowerment partner, conducts a due diligence Nick van Rensburg
exercise and assists in the compilation of the Anglo Zimele Empowerment Initiative
business plan. The business plan is submitted Tel: 011 638 4172
to the Anglo Zimele board for approval. Upon Fax: 011 638 8543
approval, Anglo Zimele acquires a minority E-mail: zimele@angloamerican.co.za
equity stake in the business and an Anglo
Zimele representative is appointed to the new
company's board of directors. Inputs include
advice on business principles, corporate
governance and strategy. A clear exit strategy
is also defined in the shareholding agreement.
17
B
usiness Partners provides finance to for by Business Partners receiving a
formal small and medium enterprises shareholding in the property company. Only
whose gross assets are under R100- those businesses that are potentially able to
million, where annual turnover does not exceed generate sufficient cash flow to afford the
R200-million and / or employees are less than regular repayments required are considered for
500 in number. Funding is available to this type of investment financing.
qualifying enterprises in all major sectors of the
South African economy, excluding on-lending Once the loan portion has been repaid in full,
activities, direct farming operations, the entrepreneur has the right of first refusal
underground m ining and non - prof it should Business Partners wish to sell its shares
organisations. Business Partners considers at market value. Certain conditions usually
financing applications up to R20-million but apply when granting investment financing to
applications for financing below R250,000.00 entrepreneurs for a property purchase.
are usually not considered.
The maximum repayment period for any
property investment is ten years.
The company offers the following products:
In order to qualify for Property Risk
1. Business Partners property investments: Partner or Property Equity Partner, the
property must be registered and owned
Business Partners offers investment financing by a new company.
for a wide range of commercial and industrial
premises and the expertise to match the needs
of each individual business and / or 2. Business Partners fishing investments:
entrepreneurial investor with the right property.
Business Partners Fishing Investments provide
Property equity partner is designed for the specialist investment financing and added-value
entrepreneur with an exceptionally viable multi- services for entrepreneurs in all sectors of the
tenant property investment opportunity that will South African fishing industry. Investment
offer an above-average expected return on finance is available to qualifying entrepreneurs
investment (ROI), usually in excess of 20%. requiring funding for, but not limited to, the
When recommending equity financing, Business construction, improvement and refurbishment of
Partners usually makes the investment in the vessels, freezing plants, equipment, the setting
form of a shareholder‟s loan with an equity up or maintenance of processing plants, the
component. The entrepreneur‟s contribution restructuring of the company, and established
may also be made in the form of a marine and aqua culture projects.
shareholder‟s loan. It is a condition of the
investment that Business Partners‟ property Applications for investment financing for fishing
enterprises are assessed primarily on business
management division is contracted to manage
viability, as well as on the vision, integrity, drive
the property.
and experience of the entrepreneur.
Property risk partner caters for the needs of
Applications are considered from entrepreneurs
the entrepreneur with a viable business who
wants to purchase his or her own premises, but who have capital or security to contribute to the
venture, as well as from those who do not, and
who has limited capital or security to contribute
individual deals are structured accordingly.
or who does not wish to use the business‟ cash
resources for the deposit.
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earning a market-related salary. roFin is a multi-national specialist SME
An action plan to facilitate the transfer of finance and development company
skills pertaining to the day-to-day running offering a combination of risk capital and
of the business. business development assistance to viable
enterprises. GroFin invests in viable
A funding structure that is easily businesses, providing unique solutions for each
understood by all interested parties. client which are tailor-made for their specific
needs.
6. The Business Partners Tourism Fund:
Besides individualised financial support, GroFin
The Business Partners Tourism Fund is a empowers entrepreneurs through sharing skills
R200-million specialist investment fund that has and transferring business knowledge. GroFin
been created to enable and empower supports SMEs through all stages of business
entrepreneurs in the travel and tourism industry. development, from start-up, through growth to
expansions, providing a complete one-stop
Investment finance is available to qualifying customised solution which addresses all
entrepreneurs requiring funding for, but not aspects of business.
limited to, the establishment or buying of hotels,
guesthouses, game lodges, starting or GroFin does not charge a fixed interest rate.
expanding a travel agency, tour operating Individual solutions are structured after having
business, tourist information centre, or curio assessed the level of risk and of potential return
shop, and other entertainment facilities for of the venture.
tourists.
GroFin strives to establish a fair risk-reward
Applications are considered from entrepreneurs relationship and offers entrepreneurs maximum
who have capital or security to contribute to the flexibility to suit their specific needs. The
venture, as well as from those who do not, and maximum repayment period is 6 years, while
individual deals are structured accordingly. the average is between 3 and 4 years.
Qualifying criteria
Contact Details
20
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disqualifying criterion, the availability of he Industrial Development Corporation‟s
collateral is considered. Risk Capital Facility aims to develop
Generally, facilities are granted where entrepreneurial skills, particularly in small
gross assets are under US$ 3-million, and medium-sized businesses. Clients receive
where turnover does not exceed business support to solve short-term problems
US$ 5-million and no more than 100 and are provided with long-term assistance. The
employees are employed. IDC pays part of the cost of business support
and structures a loan facility for clients to pay
GroFin invests up to US$ 1-million in the balance of the costs when they are in a
viable small and medium enterprises. financially sound position. Funds under the Risk
Applications for finance below Capital Facility are primarily available for:
US$ 50,000.00 are usually not
considered. BEE-owned businesses with a minimum
ownership of 25,1% by historically
disadvantaged persons (HDPs) in the
Contact Details
SME sector.
GroFin South Africa Investments that show high
Building D developmental impact, for example,
224 Loristo Street job creation, regional reach and rural
Pretorius Park development.
Pretoria
Tel: 012 998 8280 The IDC also offers a range of sector-specific
Fax: 012 998 8401 financing products. In most cases the minimum
loan size is R1-million, but in some cases loans
www.grofin.com sizes ranging from R500,000.00, for example
for bridging facilities, will be considered.
Financing is offered under the following sectors:
21
Qualifying criteria
KHULA ENTERPRISE FINANCE LIMITED
(KHULA)
Minimum requirements to be considered for
financing are:
K
hula Enterprise Finance Limited is a
Security, the form and nature of which will wholesale finance institution that
relate to the client‟s specific operates through a network of channels,
circumstances. including commercial banks, retail finance
institutions, specialist funds and joint ventures,
Compliance with international
which supply funding to small businesses
environmental standards.
across the country.
Shareholders / owners are expected to
make a significant contribution, generally The company‟s primary aim is to bridge the
35% of total assets for going concerns SME funding gap not addressed by commercial
and 45% - 50% for start-ups, depending financial institutions.
on the industry norms and risk profile.
IDC prefers its exposure not to exceed
Khula offers a range of financing products:
that of the owners of the business.
22
The criteria for the LREF are: This fund was established to provide early-
stage and expansion debt capital to SMEs that
For the Mortgage Loan Facility the are majority owned by South Africans. The fund
maximum loan is R10-million per project offers pure debt funding, with loan sizes not
and R800,000.00 per black person exceeding R500,000.00. Loans of more than
participating in the project. R500,000.00 are granted under exceptional
conditions only to SMEs with a proven track
For the Equity Share Scheme the record. The purpose of the Fund is to reach out
maximum loan is R600,000.00 per black to SMEs in rural and peri-urban areas of South
person participating in the Business Africa, promote black economic empowerment,
Venture. improve access to finance, create new jobs,
The loan repayment period in each case encourage meaningful economic participation of
may not exceed 20 years. bl ac k S ou th Af r ic a ns , a nd f os ter
entrepreneurship in the SME sector.
The business venture must be
commercially viable.
4. Khula Emerging Contractors Fund:
The applicant must be a South African
citizen. This is a joint venture initiative between Khula
The business venture must be a and the Eastern Cape Department of Public
registered legal entity, operating within Works (EC-DPW). Its mission is to provide
South Africa. bridging finance to emerging black contractors
in Grades 1 to 6 who have been awarded
tenders by the Eastern Cape Department of
2. Khula Joint Venture Funds: Public Works. The fund finances work in the
following fields: civil engineering, electrical
Khula offers a number of financing products in engineering, general building, mechanical
partnership with different institutions, to meet engineering and specialist works. The fund is
the financing needs of small businesses. managed by Business Finance Promotion
Agency (BFPA), based in Port Elizabeth and
The Business Partners-Khula Start-up East London.
Fund enables entrepreneurs to establish
new businesses or expand existing ones.
Qualifying criteria
The Anglo-Khula Mining Fund
facilitates entry of commercially viable To qualify for assistance, the contractor must
mining ventures into the mainstream have been assessed by Construction Industry
mining sector. Development Board (CIDB) to have the capacity
to handle projects up to a maximum of
The Enablis-Khula Loan Fund provides R10-million.
guarantees for loans to ICT businesses.
The Khula Enablis SME Acceleration Applicants must meet the following criteria:
Fund aims to provide risk capital to
entrepreneurs with start up and early- The applicant must be a South African
stage businesses. This fund is not sector citizen.
specific as it enables businesses
including transportation, tourism, The applicant must be a black emerging
agriculture and services. contractor.
23
M
tender / contract by the Eastern Cape
Province - Department of Public Works. arang Financial Services is a micro-
finance institution that provides financial
The project for which funding is required services to emerging entrepreneurs and
must be financially viable. marginalised communities. It is the largest pro-
poor micro-finance institution in South Africa.
A mentor must be attached to the project,
where required, and
The institution‟s target market comprises:
The applicant must have a business
account on which they are willing to have
Females between 18-70 years old who
the Fund Manager (BFPA) sign as a co-
are unable to secure loans from the
signatory.
formal financial sector, due to a lack of
acceptable collateral.
Contact Details LSM (Living Standards Measure) 1-5.
Qualifying criteria
24
2. Individual loans:
NATIONAL EMPOWERMENT
FUND (NEF)
The individual loan product targets both
graduates of the group lending programme as
T
well as new micro and small entrepreneurs. he National Empowerment Fund‟s
Both women and men qualify under this loan Imbewu Entrepreneurship Finance
product. provides risk capital to new and early-
stage businesses owned and managed by black
South Africans. The NEF provides funding
Qualifying criteria
ranging from R250 000 to a maximum of R20-
million with an investment horizon of 5 to 7
The individual applicant must meet the following
years. Depending on the product offered, the
criteria:
target return on investment is a nominal pre-tax
IRR of between 12% and 18%.
An enterprise loan can be taken over a
period of four (4) to nine (9) months.
The NEF offers the following products:
Owner / manager of a small-scale and
micro enterprise. 1. Imbewu Procurement Finance:
South African citizen aged 21 years of
age and above. This is a debt product aimed at financing
working capital requirements associated with
Holder of the South African national procurement contracts. The product enables
identity card. BEE groups to access preferential procurement
opportunities whilst simultaneously providing
Has operated the enterprise for at least
mechanisms aimed at mitigating NEF
24 months.
investment risk.
25
Transactions will be structured with a The business must have minimum black
sustainable capital structure. ownership of 50.1%.
BEE party to have pre-qualified with the The applicant is required to participate in
franchisor. the NEF mentorship programme.
In addition to the above products, the National The business must have clear value add
Empowerment Fund‟s rural and community and a sustainable business model.
development projects facilitate community
The business should employ a minimum
involvement in projects promoting social and
of 5 people.
economic upliftment. In accordance with the
Broad-based Black Economic Empowerment
Act (BBBEE), the aim is to increase the extent Contact Details
to which workers, cooperatives and other
collective enterprises own and manage West Block
business enterprises. Also it supports the
187 Rivonia Road
BBBEE Act objectives of empowering local and
Morningside
rural communities.
Johannesburg
To qualify for assistance, projects must meet Tel: 011 305 8000 / 086 163 3835
the following requirements: Fax: 011 305 8001
Call Centre: 086 184 3633
Involvement of black managers at
a senior operational level as owners. www.nefcorp.co.za
26
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ew business finance provides finance to he South African Micro Apex Fund
both start-ups and established (samaf) is a wholesale funding institution
businesses in all sectors of the economy. tasked to facilitate the provision of
affordable access to finance by micro, small and
It offers the following products: survivalist businesses for the purpose of
growing their own income and asset base. The
1. Working capital and asset purchase: primary purpose of samaf is to reduce poverty
and unemployment and also to extend financial
Any amount of finance up to R250,000.00 on services to reach deeper and broader into the
terms of up to 18 months can be provided as rural and peri-urban areas. As a wholesale
working capital for the purchase of assets, with institution, samaf provides micro-finance to
interest rates reflecting appropriate risk. There financial intermediaries such as Financial
are few fixed criteria. Services Cooperatives (FSCs) & Micro-finance
Institutions (MFIs) who in turn on-lend to their
members and clients. Therefore, anyone who
2. Bridging finance:
wants to obtain a samaf-backed loan should
first join an FSC or apply to the MFI for a loan.
This short term product is aimed at
entrepreneurs who need to bridge a gap in their
samaf offers two types of loans via its financial
financing. At the end of the bridging period, an
intermediaries – microenterprise loans and
appropriate fee is charged and this is payable
development loans. The Micro-enterprise loan
with the capital.
is offered to financial intermediaries who on-
lend to poor people to establish and grow their
3. Transaction finance: micro survivalist businesses. To qualify, the
loan applicant must earn not more that
This product is aimed at entrepreneurs who R3,500.00 per month. Development loans are
need to finance an order or a special project aimed at FSCs and MFIs for on-lending to client
such as a tender. The facility is tailored in households earning R1,500.00 and below per
accordance with the requirements of the project month. Clients can use development loans for
for which finance is sought. paying school fees, medical fees and
improvements to the household.
4. Micro businesses:
Contact Details
Loans ranging from R1,000.00 up to
National Office
R10,000.00 are available for micro enterprises,
whether a start-up or an expanding business Ms Nothemba Gqiba
and any business type. Marketing & Communications Manager
77 Meintjies Street
the dti group campus
Contact Details First Floor, Block B, Sunnyside, 0132
Tel: 012 394 1796
For contact details please refer to the back of
Fax: 012 394 2796
the Directory.
E-mail: nothembag@samaf.org.za
www.nbf.co.za
www.samaf.org.za
27
2. SME funding:
NATIONAL YOUTH DEVELOPMENT
AGENCY (NYDA)
This provides finance ranging from R100,000.00
to R5-million to expand, buy into or buy out
T
he Enterprise Finance Division of the existing businesses or start new businesses
National Youth Development Agency which allow significant economic benefits to
(NYDA) offers a range of financing accrue to youth. Finance is provided directly
products for youth (age 18 to 35 years) and and through infomediaries, the SME Fund, the
women-owned enterprises. There is no age UYF-FNB Progress Fund and the Masisizane
restriction for the latter group. The NYDA does Women's Enterprise Fund.
not fund gambling, tobacco-related, property
development and illegal businesses.
Qualifying criteria
28
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he aim of the Business Partners usually five years up to a maximum
Women‟s Fund is to help women reach period of ten years. A realistically
their full economic potential by providing projected and agreed cash flow for the
finance and mentoring. The Business Partners business determines the individualized
Women‟s Fund is managed by a specialist team repayment terms of interest, capital and
of women who understand finance as well as royalties.
the personal challenges which women
experience on a daily basis. Sometimes in structuring a deal,
Business Partners acquires a minority
shareholding. The entrepreneur always
The Fund targets women with a 25.1% - 49.9% has a right of first refusal to acquire
ownership (female engendered) or 50% - 100% these shares at market value.
ownership (female owned) who require an
investment ranging from R250,000.00 to
R5-million. Contact Details
The Business Partners Women‟s Fund will See under Business Partners
facilitate the process of producing a business
www.businesspartners.co.za
plan to be submitted as part of an application
and offer valuable advice where needed.
Qualifying criteria
29
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he vision of the Isivande Women‟s Fund High potential survivalists, micro
is to improve the lives of women in enterprises and co-operatives on a case
business and women-led households in by case basis;
South Africa and the eradication of poverty. Its Professionals (skilled women with
key objective is to accelerate women's feasible business ideas);
economic empowerment by providing more
Entrepreneurs (women currently running
affordable and responsive finance than is
their own enterprises);
presently the case.
To broaden access through new funding, Finance for business rehabilitations and
flexible instruments and leverage with Turnarounds.
selected partners thus providing women Franchise finance.
the tools with which to share in the Bridging finance.
growing SA economy.
To introduce flexibility in its service Qualifying criteria
delivery and accommodate the special
To be eligible for loans under the Fund, the
circumstances of women-owned and run
following criteria must be met:
enterprises both as regards funding
range and type of facility offered. An SME or Co-operative that is 60%
To facilitate linkages with selected women-owned / controlled.
partner financial institutions operating in The business must have at least a 2-year
predominantly black women-owned micro track record of business activity and a
and SME markets, including DFIs and sustainable business plan.
financial services organisations as a
The staff profile must be at least 60%
value proposition for expanding access
women and 75% black (including people
and convenience.
living with disability).
To measure its success by number of
The business must be in a rural or peri-
women entrepreneurs it supports to
urban area.
improve household income and wealth
over time.
Contact Details
The Fund specialises in debt financing, with
Isivande Women‟s Fund
loans ranging from R30,000.00 to R2-million per
209 Smit Street
transaction. Exceptions will be considered by
UCS Building
the Investment Committee and subject to
Braamfontein
approval by the Executive Management. The
loan repayment period is a maximum of five Johannesburg
years. The Fund‟s main client is a formally Tel: 086 184 3384
registered, 60% women-owned and / or Fax: 011 339 3182
managed enterprise that has been in existence
for two or more years. www.dti.gov.za/isivande/main.htm
30
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1st Floor
he W omen-owned Enterprise
Development programme of the Old Isibaya Building
Mutual Masisizane Women‟s Fund Mutual Square
facilitates the development of women-owned 93 Grayston Drive
and run micro- and small-enterprises. Sandton
Tel: 011 217 1854
Key challenges these entrepreneurs face are a
Fax: 011 217 1652
lack of investment funds, insufficient business
development support and skills development.
www.oldmutual.co.za/about-us/
transformation/masisizane.aspx
Masisizane intends to help address these
challenges and to help rural women succeed,
by developing micro, small and medium-sized
enterprises in order to stimulate job creation
and enterprise development for women.
31
G
auteng Enterprise Propeller offers
Gauteng-based small businesses a A commercially viable enterprise
range of financing products to start-ups, managed by the owner.
growing businesses, franchise businesses and An authentic contract (for those applying
businesses seeking finance to execute for contract financing).
contracts they have been awarded.
The applicant must be Gauteng based.
32
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two year audited financial statements for
he enterprise development division of the
an existing business.
Mpumalanga Economic Growth Agency
promotes the development and growth of A completed MEGA application form.
small, medium and micro enterprises including
Proof of company registration.
cooperatives in the Mpumalanga Province.
Proof of a contract where a tender has
The following have been identified as priority been awarded.
sectors for development in the province:
A sale agreement where property or an
Food and non-food processing. existing business is being bought.
33
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technical assistance.
DB Micro-Finance targets the poorest
women in the rural areas and Supports, assists and conducts research
provides them with training and micro programmes which are necessary for the
loans with a view to increasing their household viability of projects and women‟s
incomes. The micro loans are for the purpose of advancement as a whole.
facilitating income-generating activities. Shares knowledge, expertise,
experiences and information through
WDB Micro-Finance offers two products: coordinating with women‟s and
development groups and producing
accessible and relevant material.
1. Poverty alleviation:
34
I
thala offers innovative financial packages
that are designed to get your business 6. Order and Invoice Finance:
undertaking up and running or facilitate your
expansion, with the minimum time and trouble Order discounting provides working capital to
and the maximum of benefits. emerging manufacturing concerns by means of
an upfront advance of funds prior to
Ithala offers a number of financial packages: commencement of a contract. Invoice
discounting provides a working capital facility
for growing manufacturing concerns by means
1. Agricultural Loans Finance:
of discounting invoices to their customers.
This product includes loans for the acquisition
of agricultural land, acquisition of livestock, 7. Plant & Equipment Finance:
acquisition of equipment and working capital.
The repayment terms on these loans vary This product finances the acquisition of
between 1 month and 240 months depending equipment for new or existing SMMEs
on the nature of the business. The repayment embarking on projects with a positive
frequency can also be structured to coincide developmental impact.
with the cash flows of the business. Security of
agricultural loans can also be arranged based 8. VAT Loans:
on the assets being financed.
This product provides a short term bridging
finance facility to newly-established industrial
2. Bridging Finance:
companies for the payment of VAT on
This product provides bridging finance and equipment purchased or to newly-established
performance guarantees (guarantees linked to medium-sized property owning companies for
bridging finance only) to small contractors in the payment of VAT in respect of property
the building and allied trades based on a acquisitions. The basis of the agreement is that
secured contract. the client pays interest calculated for 4 months
upfront. The company‟s auditors co-sign the
agreement and undertake to claim the VAT
3. Co-operative Finance:
from the receiver and change the address /
This product requires members of the co- account details for the payment of VAT refunds
operative to undergo training on co-operative to that of the auditors. Upon refund of the VAT
and business management skills at a claim, the auditors refund the outstanding
designated FET college. Once the business amount to Ithala. This facility is to be used for
plan is accepted as financially viable to Ithala, newly established companies only where no
the Co-operative is funded, subject to the terms output VAT will be applicable which can reduce
and conditions of Ithala. the amount of the claim. The product is only
available to clients making use of another
4. Empowerment Finance: Ithala product.
35
B
believes that it is irresponsible to
overburden clients with debts that they FPA is an initiative funded by Khula
will be unable to pay. Enterprise Finance Ltd and provides
loans to viable small and medium
Ithala also finance projects that will have businesses. BFPA provides business loans
a positive development impact in the form ranging from R6,000.00 to R300,000.00 for:
of:
Acquisition of equipment (new and used).
Job creation.
Acquisition of stock.
Levels of wealth creation.
Working capital.
Black empowerment.
Franchises - only registered franchise
Provision of rental space to
operations will be considered.
medium sized businesses.
New technologies and skills Contract financing - contractors must
introduction. have the necessary qualifications / ability
to perform the work successfully. BFPA
will only finance contractors with a valid,
Beneficiation of South Africa‟s raw viable contract.
materials, export and / or import
replacement, the multiplier effect of the Land and buildings - BFPA will only
project and level of foreign investment to finance extensions and alterations to
be generated. existing business premises.
36
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he Eastern Cape Development
The ratio of the owner‟s equity (own
Corporation will consider applications for
contribution) to total assets must be a
finance from businesses whose
minimum of 15%.
headquarters are located in the province or
The business must submit certified / those that can prove that the major
audited annual financial statements for developmental impact will be felt in the
the last two years (three years for older province. The Corporation‟s products are
businesses). offered across two main categories: short-term
and long-term business finance. ECDC Future,
Security should be a minimum of 70% of the Corporation‟s long-term offering, consists of
the loan applied for, but is negotiable a long-term debt finance vehicle, and an equity
upwards or downwards depending on the finance vehicle, the TERMcap and EQUItrader
loan package and at the discretion of products respectively. The short-term offering,
BFPA. ECDC Access, provides short-term debt
financing products that are geared towards
facilitating efficient cash flow management in
client businesses. These products are the
Contact Details
NEXUStrade loan, WORKflow contract loan,
POWERplus small loan, and IMBEWU micro
No. 23 Forth Avenue loan.
Newton Park
Port Elizabeth
Products :
Tel: 041 365 6465
Fax: 041 365 3077 1. The Imbewu Micro Loan:
E-mail: info@bfpa.co.za
Aimed at small and micro enterprises and seeks
www.bfpa.co.za to facilitate their sustainability. The loan value is
R20,000.00 and less and the loan term is a
maximum of 6 months. The interest rate and
fees charged are in line with the National Credit
Act. On full repayment of the loan, the client
receives 10% of the interest paid back in cash.
37
Facilitates efficient cash-flow for contractors In response to the historical lack of access of
who require capital advances in order to carry small to medium enterprises to finance, the
out their projects successfully. The loan value Corporation has moved away from collateral
ranges from R100,000.00 to R20-million, with a lending, and now uses adequate management
loan term of 3 to 36 months. Interest rate capacity and business viability as key lending
ranges from prime -2 to prime +3%. A criteria.
structuring fee of 1% of the loan value and a
cash management fee of 2.5% of loan value Finance applications that facilitate job creation
apply. and / or retention, economic empowerment,
value addition to the economy, rural / township
4. The NEXUS Trade Finance Product: development, and increased export income are
the most suited to ECDC's business finance
Allows businesses servicing trade contracts in products.
the Government sector (green orders) or
commercial contracts in the private sector to Any project that is a new greenfield initiative,
satisfy the terms of their contracts through where expansion and rehabilitation will be the
efficient cash flow management. The loan value resultant benefit, will also be eligible for
ranges from R10,000.00 to R500,000.00, with a application for ECDC finance.
loan term of 1 to 6 months. The interest rate of
0% and a cash management fee of 2.5% to 5%
of loan value applies. Contact Details
Head Office
5. The TERMcap Loan:
Ocean Terrace Park
The TERMcap Loan is a vehicle by which Moore Street
capital is channelled to the client‟s business to Quigney
allow for financial viability and sustainability East London
through term-defined debt financing. The loan
Tel: 043 704 5600
value ranges from R500,000.00 to R20-million
Fax: 043 704 5700
and the loan term ranges from 5 to 7 years.
Interest is charged from prime -2% to prime
For information on Eastern Cape
+3%. A structuring charge of 1-2% of the value
Development Corporation (ECDC) offices
of the loan applies.
countrywide please refer to the back of
the Directory.
6. The Imvaba Eastern Cape Provincial
Cooperative Development Fund: www.ecdc.co.za
A R50-million Fund to benefit primary
cooperatives in the province. The main focus of
the revolving fund is to promote the viability of
cooperative enterprises in the province. The
fund has been structured as part loan finance
and part developmental (start up) capital. The
target sectors include agribusiness (agro-
processing), tourism, ICT, chemicals, textile and
clothing, timber and forestry, metals, business
process outsourcing, and arts and crafts.
38
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he mission of the Free State Development charge varies, depending on the period taken to
Corporation (FDC) is to provide financial repay the loan. Own contribution is not
and business development services that compulsory, though a further 0.5% will be
result in the establishment of sustainable deducted from interest if the applicant can
SMMEs for economic growth and development provide at least 10% of the required capital.
in the Free State Province.
5. Step-Up Loan:
Its strategic objectives are to facilitate the
establishment and support of sustainable This product is aimed at formal businesses that
SMMEs and co-operatives through the provision require capital between R1-million and R5-
of financial and business development support million. The interest rate charged varies,
services and facilitate and co-ordinate depending on the period taken to repay the
participation of SMMEs and Co-operatives in loan. Own contribution is not compulsory,
mainstream economic activities. though a further 0.5% will be deducted from
interest if the applicant can provide at least 10%
The Corporation offers a number of financing of the required capital. It is a requirement that
products. life cover on the key person in the business as
well as comprehensive insurance for assets
should be ceded to the FDC.
1. Micro Loans:
39
LIMPOPO
Contact Details SMALL ENTERPRISE
FOUNDATION (SEF)
Free State Development Corporation
S
(FDC) mall Enterprise Foundation provides
microcredit to enable and assist its
Head Office clients to accumulate savings. The
Ms KF Finger institution runs a Microcredit Programme
SMME Operation (MCP), and a specially targeted programme
Tel: 051 400 0810 called Tšhomisano Credit Programme.
Fax: 086 646 6397
MCP‟s requirement is that the individual must
For information on Free State Development have been operating a business for at least six
Corporation (FDC) offices countrywide months. In this case microcredit is used to
please refer to the back of the Directory. change a business from being very fragile to
being secure and to attain growth which can
www.fdc.co.za dramatically improve household income.
Contact Details
www.sef.co.za
40
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he BBSDP is a dti cost sharing grant 1. Projects aimed at upgrading the capability of
scheme whereby financial support is the management team of the enterprise
granted to private sector firms involved in through generic management training
manufacturing, service and retail industries. It programmes.
can provide grants to a maximum of
R100,000.00 per eligible firm over the life of the Executive management development
BBSDP. programmes.
41
Qualifying criteria
42
Qualifying criteria
COOPERATIVES
INCENTIVE SCHEME (CIS)
To be considered for assistance, applications
must comply with the following requirements:
T
he objective of the dti‟s Co-operatives
Incentive Scheme is to promote co- The entity must be incorporated,
operatives through the provision of a registered in South Africa in terms of co-
matching grant and to improve the viability and operatives Act of 2005, operating or will
competitiveness of co-operative enterprises by operate in the emerging sector.
lowering the cost of doing business.
Have projects in manufacturing, retail,
service and agricultural sectors.
The CIS offers a 90:10 matching grant with a
minimum value of R10,000.00 and maximum Adhere to co-operatives principles.
value of R300,000.00. Be controlled by emerging and black
individuals.
Activities eligible for grant assistance include: Must be rural or semi - urban.
Promote the involvement of women,
Business Development Services. youth and people with disabilities.
Feasibility Studies / Market Research Meet all the documentary requirements,
Production Efficiency. which include:
www.thedti.gov.za
43
E
MIA is a incentive scheme introduced Christiaan Saaiman
and administered by the Department of Director
Trade and Industry (the dti). The
Tel: 012 394 1021
purpose of assistance under the EMlA scheme
Fax: 012 394 0114 / 7
is to partially compensate exporters for costs
incurred in respect of activities aimed at
developing export markets for South African Individual Exhibitions;
products and services abroad, and to recruit Primary Market Research;
new foreign direct investment and potential Foreign Direct Investment Research;
customers into South Africa.
Individual missions,
Sector Specific Assistance Schemes and
No EMIA incentives are available for the period
from 10 December up to and including 10 Capital Projects Feasibility Programme
January of each year.
Donald Mabusela
EMIA is broadly divided into two types, Director
individual participation schemes and group the dti Campus
schemes. Building A
Ground Floor EMIA
1. Individual Participation Incentive 77 Meintjies Street
Schemes include: Sunnyside
Pretoria
Individual Exhibitions (lE) and In- Tel: 012 394 1716
Store Promotions (lP). Fax: 012 394 2716
44
T
he SPII is a dti incentive managed by the funding. The SPII Panel takes the applicant's
Industrial Development Corporation (IDC) financial ability to develop the product or
and designed to promote and assist process into consideration when approving a
technology development in South African new project. The applicant's ability to
industry through the provision of financial manufacture and market the product, or have it
assistance for projects that develop innovative manufactured and marketed, is also considered.
products and / or processes. The SPII is
focussed specifically on the phase that begins
Qualifying criteria
at the conclusion of basic research (at the stage
of proof of concept) and ends at the point where
Applicants and their proposals are assessed on
a pre-production prototype has been produced.
the following evaluation criteria:
The SPII currently consists of three schemes:
the Product Process Development Scheme,
Managerial ability, specifically in the field
the Matching Scheme and the Partnership
of the management of product
Scheme.
development.
45
T
enterprises with black shareholding >50% - the he Technology and Human Resources for
grant is 75%. Industry Programme (THRIP) is a
partnership programme which challenges
companies to match government funding for
3. The Partnership Scheme
innovative research and development in South
Africa. Managed by the National Research
The Partnership Scheme promotes larger-scale
Foundation (NRF) on behalf of the Department
development within South African industries.
of Trade and Industry (the dti), THRIP gives
The scheme provides financial support to
local industry the means to obtain specific
commercially viable technological innovation
responses to its technology needs, by
products or process projects and shares in both
unleashing the potential of students,
risks and returns. In considering support for a
researchers, and science and technology
project under the Partnership Scheme, there
experts.
should be a clear indication of the causality
(additionality) that will follow from the support.
THRIP focuses on projects that specifically
promote and facilitate scientific research,
Financial support under the Partnership
technology development and technology
Scheme is provided in the form of a
diffusion, or any combination of these. All
conditionally repayable grant of 50% of the
projects funded by THRIP must include human
qualifying costs incurred in the development
resource development, but the choice of
activity, with a minimum grant amount of R3-
technological focus is left to the industrial
million per project repayable on successful
participants and their partners.
commercialisation of the project. Repayment is
generally in the form of a levy.
The industry and the dti share the costs - and
therefore the risk - of developing commercial
Contact Details technology on a R2.00 to R1.00 basis (industry:
the dti). the dti‟s support may be doubled if a
Mr Farouk Mangera project supports certain THRIP priorities.
Senior Fund Manager
Tel: 011 269 3911 Contact Details
Fax: 011 269 3126
E-mail: faroukm@idc.co.za Dr Mphekgo Maila
Tel: 012 481 4131 / 4060
Dr Ntokozo Mthembu Fax: 012 481 4197
Manager E-mail: mphekgo@nrf.ac.za
Tel: 011 269 3073
Fax: 011 269 3126 www.nrf.ac.za/THRIP
E-mail: ntokozom@idc.co.za
46
B
lack Umbrellas is a non-profit company with all legislative requirements (including tax
involved in enterprise development and and labour law) and complete a monthly report
more specifically the support of emerging so that their progress can be monitored.
black business. Black Umbrellas provides a
supportive, incubator style environment for
emerging, wholly owned black businesses. Contact Details
Black Umbrellas provides its members with a
working environment and the support services Cape Town Head Office
that will enable them to thrive. Benefits include Thabo Zwane
office space, computers, communications Project Manager
(internet and telephony), vehicles with drivers, a 38 Lower Church Street
good reliable bookkeeping service, a structured Woodstock
mentorship programme with a business 7925
consultant / mentor, and access to credit. An Cape Town
added benefit is that members participate in a
Tel: 021 447 1414 / 1416 / 4799
growing network of businesses in which they
Fax: 021 447 5658
are able to share resources and be motivated
E-mail: thabo@blackumbrellas.org
by one another's success.
47
C E
hemin supports the start-up and growth goli Bio nurtures entrepreneurial life-
of SMEs in the downstream chemical sciences and biotechnology ventures,
industry. Chemin is located in Port helping them to survive and grow during
Elizabeth, Eastern Cape Province, but operates the start-up phase, when they are most
nationally. vulnerable. The incubator serves as a conduit
for the commercialisation of bio-sciences
research, products, services and technology
Contact Details
platforms. The incubator is located in
Modderfontein, Gauteng Province.
Tel: 041 503 6700
Fax: 041 503 6712
Contact Details
www.chemin.co.za
Tel: 011 605 2941
Fax: 011 605 2943
www.egolibio.co.za
DOWNSTREAM ALUMINIUM
CENTRE FOR TECHNOLOGY (DACT)
T
he Downstream Aluminium Centre for FURNTECH ADVANCED
Technology is located in Richards Bay, FURNITURE TECHNOLOGIES (Furntech)
KwaZulu-Natal Province and focuses on
F
training, skills development and incubation of urntech provides training, skills
small enterprises in the aluminium casting development and business incubation
industry. support to potential entrepreneurs and
small enterprises involved in furniture
Contact Details manufacturing. Furntech is an accredited
training provider for the furniture industry. Its
Tel: 035 797 1500 headquarters are located in Cape Town and
Fax: 035 797 3050 has seven branches located across South
Africa - in Cape Town, Durban, Johannesburg,
www.dact.co.za George, Mthatha, Umzimkhulu and White River.
Contact Details
www.furntech.co.za
48
MPUMALANGA
LEPHARO
STAINLESS INITIATIVE (MSI)
S M
eda Ekurhuleni Base Metals Incubator pumalanga Stainless Initiative (MSI) is
trading as Lepharo was established as a an incubator funded by the dti. As an
joint initiative between stp, Ekurhuleni attempt to address the problem of
Municipality, Gauteng Enterprise Propeller and unemployment in the province, a need was
Impala Platinum to provide an environment for identified to expose a large number of
the training and development of entrepreneurs interested SMMEs to the possibilities of the
and small enterprises in the casting of zinc, manufacturing sector. Potential candidates are
copper and brass. The centre provides training, screened and selected for technical and
mentoring and coaching and a variety of other business training. The programme equips them
business development support services to to take up stainless steel product manufacturing
entrepreneurs. Lepharo is based in Ekurhuleni, opportunities.
Gauteng Province.
The objectives of the MSI Incubator are:
Contact Details
To directly assist em erging
Tel: 011 812 9746 entrepreneurs during the start-up of their
small business engaged in the
Fax: 011 307 5024
beneficiation of stainless steel.
www.stp.org.za/centres/ekhuruleni.html To equip the emerging entrepreneurs
with the necessary technical skills and
technology know-how so as to develop
viable products for commercialization by
them.
To train and develop emerging
MPUMALANGA
entrepreneurs in business skills in order
AGRI-SKILLS INCUBATOR (MASI)
that they can successfully manage their
own business.
T
he incubator promotes sustainable
To assist emerging entrepreneurs with
agricultural empowerment, development
the establishment of their businesses
and entrepreneurship of primarily
and the marketing of their products.
previously disadvantaged individuals and
communities in Mpumalanga and possibly
throughout the country. The main objective of Contact Details
MASI is to create sustainable small agricultural
enterprises and lower the risk of financiers, Owen Maroleng
thereby making funding more accessible to Acting General Manager
small-scale farmers. MSI
Middelburg
Tel: 013 246 1528
Contact Details
Fax: 013 246 1641
Tel: 013 754 1144 www.mptainless.co.za
Fax: 013 755 4028
www.masdt.co.za
49
SEDA CONSTRUCTION
NELSON MANDELA BAY INCUBATOR
INCUBATOR (SECI)
T S
he Nelson Mandela Bay Incubator aims to ECI provides business support services,
contribute in the process of creating office infrastructure and other resources
successful small ICT enterprises in the to eligible businesses in the construction
Eastern Cape. It houses entrepreneurs and sector. It focuses specifically on the
supports them with services such as business development of small contracting firms
mentorship, physical infrastructure, industry and classified under the Construction Industries
investor networking. It is based in Port Development Board (CIDB) as grade 3 and
Elizabeth, Eastern Cape Province. provides them with services such as business
mentorship, physical infrastructure, industry and
Contact Details investor networking. The incubator is based in
Durban, KwaZulu-Natal Province.
Tel: 041 582 3590 / 1 / 2 / 3
Fax: 041 582 3595 Contact Details
www.snbiciti.co.za
Tel: 031 309 4940 / 2 / 3
Fax: 031 309 4946
SEDA AGRICULTURE, MINING AND www.seci.co.za
TOOLING INCUBATOR (SAMI)
S
AMI focuses on tooling for the agricultural SEDA ESSENTIAL OILS
and mining sectors. It is based in BUSINESS INCUBATOR (SEOBI)
Bloemfontein, Free State Province.
S
EOBI empowers emerging farmers to
Contact Details produce, and in some instances process,
high value essential oils. The incubator
The Centre is being planned and is not in
transfers appropriate technologies to emerging
operation yet.
farmers in order to facilitate starting or
increasing commercially viable essential oil
SEDA AUTOMOTIVE production. The incubator is based in Pretoria,
TECHNOLOGY CENTRE (SATEC) Gauteng Province.
S
ATEC supports start-ups whose ultimate Contact Details
objective is to develop technology-
Tel: 012 808 3061
influenced products or services for the
Fax: 012 808 1630
automotive industry. Through its partnership
with Tshwane University of Technology and the www.seobi.co.za
CSIR, the Centre provides technical as well as
business development support services to
entrepreneurs and small enterprises.
Contact Details
50
SEDA LIMPOPO
SEDA SUGAR CANE INCUBATOR
JEWELLERY INCUBATOR (SLJI)
S T
LJI develops entrepreneurial jewellers in he mission of the Seda Sugar Cane
the Limpopo Province. It is based in Incubator is to develop internationally
Polokwane. competitive previously disadvantaged
entrepreneurs in the South African sugar cane
Contact Details industry through the process of agricultural
business incubation. It is based in Nelspruit,
Tel: 015 293 0214 Mpumalanga Province.
Fax: 015 293 0214
E-mail: production@ljc.co.za Contact Details
www.limpopojewellery.co.za
Tel: 083 305 4815
Fax: 086 664 4815
SEDA MAPHURA-MAKHURA www.stp.org.za/centres/sesuci.html
INCUBATOR (SMMI)
S
MMI is a training and technology
SEDA TECHNOLOGY
demonstration incubator which trains
local farmers in planting of sunflower and
PROGRAMME (stp)
S
soya beans for the production of biodiesel. The
incubator is located in Marble Hall, Limpopo tp provides technology and business
Province. development support services to small
enterprises. The programme aims to
Contact Details stimulate economic growth and development
through facilitating technological innovation,
Tel: 013 268 9324 increasing access to and utilisation of
Fax: 013 268 9320 technologies and technical support for small
enterprises to improve their sustainability and
www.biodiselmmi.co.za
international competitiveness. stp operates 27
Technology Business Centres around the
country.
SEDA PLATINUM INCUBATOR (SPI)
Contact Details
S
PI is a platinum beneficiation and Charles Wyeth
jewellery training and manufacturing
Executive Manager
incubator, which aims to create an
Tel: 012 441 1356
internationally recognised centre of platinum
beneficiation excellence and is dedicated to the Fax: 012 441 2356
advancement of skills in the beneficiation of E-mail: cwyeth@seda.org.za
platinum group metals. The incubator is based
in Rustenburg, North West Province.
Contact Details
S T
BTI was borne out of the merger of he Timbali Technology Incubator aims to
Softstart, a real estate incubator which create a centre for the establishment and
assisted innovative early stage ICT support of emerging farmers in the cut
entrepreneurs with mentoring and support in the flower market. The centre provides technical,
strategy and practice of growing a sustainable business as well as marketing and other
business, and Bodibeng Technology Incubator, business development support services for
a virtual and real estate incubator which entrepreneurs to grow and develop their
supported high-tech entrepreneurs in starting floriculture businesses. It is based in Nelspruit,
and growing their businesses by offering Mpumalanga Province.
innovative products and services.
Contact Details
SBTI offers state-of-the-art „plug-and-play‟
offices with high-speed internet access as well Tel: 013 752 4247
as other business support services to
Fax: 013 752 5954
entrepreneurs and small enterprises. SBTI is
based in Midrand, Gauteng Province. www.timbali.co.za
Contact Details
Z
enzele provides technical and research
support to small-scale mining and
mineral-related enterprises with the aim
SOSHANGUVE MANUFACTURING of nurturing them and accelerating growth, skills
TECHNOLOGY DEMONSTRATION development, job creation and assisting
CENTRE (SMTDC) enterprises to successfully compete in their
markets. Zenzele provides a range of services
T
to small-scale miners across South Africa.
he purpose of SMTDC is to demonstrate
small-scale manufacturing machinery and
It is based at the Mintek Campus in Randburg,
equipment, to train entrepreneurs to
Gauteng Province, and has a satellite office in
operate and maintain the technologies and to
the Northern Cape Province from which it
establish new small-scale manufacturing and
supports various community development
services ventures. Its vision is to accelerate the
projects.
establishment and development of low-cost
small manufacturing enterprises. SMTDC is
based in Soshanguve, Gauteng Province. Contact Details
www.smdtc.co.za
52
T T
his Department of Minerals and Energy he aim of this Department of Agriculture
initiative provides assistance to Small, programme is to provide post-settlement
Micro and Medium Enterprises (SMME) in support to the targeted beneficiaries of
the beneficiation sector through business land reform and to other producers who have
development services; business linkages; acquired land through private means and are,
feasibility and market studies. for example, engaged in value-adding
enterprises domestically or involved in export.
Beneficiation Business Development is also
involved in the following activities: The programme makes interventions in six
priority areas:
Facilitating of international jewellery
manufacturing training programmes for
Information and technology management.
the youth.
Technical and advisory assistance, and
Providing opportunities for SMME
regulatory services.
business development through business
skills training organised during Mining Marketing and business development.
Week and Design Indaba. Training and capacity building.
Partnering with Kgabane Jewellery On / off farm infrastructure and product
Project on training of indigenous jewellery inputs.
manufacturing technique. Financial support.
Providing assistance to SMMEs on
business plan development.
Contact Details
53
T
he aim of the Department of Water and utilise opportunities that are provided by the
F o r e s t r y‟ s Forestry Enterprise timber resources in the country and turn them
Development (FED) is to create into businesses that have a positive impact on
opportunities for people to utilise forests the Forestry Sector across the value chain and
(indigenous forests, woodlands and plantations) at both small, medium and micro level and high
and forest-based resources for economic level forestry industry.
growth, income generation and job creation in a
manner that will take people from a subsistence 5. Strategy, Innovation and New Business
livelihood system into the market economy and Development (SIND):
from the “second economy” into the “first
economy”. Is designed to facilitate and drive the
implementation of all the other sub-programmes
The FED Programme comprises of 5 sub- within the FED Programme. The sub-
programmes as described below: programme links and synergizes all internal
FED and Forestry Directorate units and
functions while providing an external linkage to
1. Afforestation:
supporting institutions like Industrial
Focuses on the afforestation activities Development Corporation (IDC), Small
particularly in the provinces of KwaZulu-Natal Enterprise Development Agency (SEDA) etc.
and the Eastern Cape. This sub-programme will
ensure that enterprise development takes place In addition the sub-programme serves as a
in accordance with the undertakings of the quality assurance, monitoring and evaluation
Forestry Broad-Based Black Economic platform for the whole FED programme.
Empowerment Charter.
Programme beneficiaries or target groups
include small growers, entrepreneurs,
2. Ecotourism:
communities and the private sector.
Focuses on FED activities that are based on
environmentally responsible travel to natural Contact Details
areas, in order to enjoy and appreciate nature
that promote conservation, have low visitor Tebogo Mathiane
impact and provide for beneficially active socio- Forestry Development
economic involvement of local people. The
Tel: 012 336 7903
intervention aims to develop and grow viable
Fax: 012 336 8937
market-driven business ventures stemming from
the current and previously state owned forests Email: 1cf@dwaf.gov.za
such as Knysna,Tsitsikamma, Thate Vondo,
Ngome, Amathole, Pondoland Forests etc. www.dwaf.gov.za
54
W
ith the advent of the new Minerals and experience and specialises in planning and
Petroleum Resources Development developing a viable mining project through the
Act in 2002, many previously pre-feasibility stages.
disadvantaged South Africans have begun to
see small-scale mining as a way to a new life.
Contact Details
55
4. Sustainability:
TOURISM ENTERPRISE
PARTNERSHIP (TEP)
TEP‟s ultimate goal is to make small tourism
businesses sustainable over the long-term.
T
he Tourism Enterprise Partnership (TEP)
is a small business development agency Qualifying criteria
focused on small and medium tourism
businesses in South Africa. It is a not-for-profit To benefit from TEP assistance the SMME
organisation that is funded by the Business should be:
Trust, the South African Government through
the Department of Tourism and corporate South An existing small or medium tourism
African organisations. TEP has been in business.
existence since the year 2000 with the mandate
to improve the sustainability of small tourism Able to demonstrate growth potential.
enterprises and thereby facilitating job creation
A high performer in tourism.
and transformation within the tourism industry.
TEP has developed a practical, step-by-step Passionate and demonstrate
graduation model that assists small and entrepreneurial spirit.
medium tourism enterprise to increase business
activities while providing greater market access. A legal entity (if not, TEP can assist you
to become one).
TEP supports tourism SMMEs in the following Willing and able to provide monthly
ways: information on turnover and jobs.
56
T S
he B us ines s - to- Bus i nes s (B2B) AIBL is a business linkage programme
programme supports the establishment of building the competitiveness of black
partnerships between Danish companies enterprises, through improvements in
and companies and South Africa. The management, productivity and quality, and use
programme can assist companies in South of modern technology, and linking them to
Africa in finding a Danish partner, which can domestic and international markets, in
help them gain access to Danish technology sustainable business relationships.
and know-how. Through the partnership, Danish
companies can obtain access to new markets,
The programme:
products and production opportunities. The B2B
Programme aims to develop the private sector Promotes sustainable business linkages
in South Africa by supporting the establishment between corporations & black
of long-term and mutually committing enterprises.
partnerships between Danish and South African
companies. By developing the private sector Supports corporations with enterprise
and using business linkages as an instrument development and procurement practices.
for economic growth, the B2B Programme
Supports black enterprises to export to
seeks to improve living conditions for the South
Africa, the US and other markets.
African people, especially those previously
disadvantaged. To this end it is a special Supports black enterprises with demand
requirement for South African companies that driven capacity building and training.
they are 25,1% black owned or otherwise have
a high combined score on the BEE Scorecard. If Supports business service providers
South African companies do not have 25,1% offering affordable, quality services.
black ownership the Danish Embassy will
Supports industry associations to improve
determine whether the local partner fulfils other
their governance & member services.
elements of the BEE Scorecard to a satisfactory
extent. In these cases an official BEE Status Promotes knowledge and best practices
audit is a requirement. in linkages and enterprise development.
SME Competitiveness.
Embassy of Denmark
Ground Floor Corporations & Linkages.
iParioli Office Park Block B2 Business Member Organisations (BMOs)
1166 Park Street & Business Service Providers (BSPs).
Arcadia
Knowledge Management & Sharing.
Pretoria
Tel: 012 430 9340
Fax: 012 342 7620
E-mail: pryamb@um.dk
www.ambpretoria.um.dk
57
SAIBL offers the following support Services: The owners must provide documents to verify
ownership, financial status, legal status and
Company diagnostics. management. In addition, SAIBL applies
suitability criteria including potential for linkage
Strategic and business planning. to corporations, growth in sales and
Organisation & management (structure, employment potential.
functions, etc.) improvements.
Qualifying criteria
58
B
usiness Partners Technical Assistance, flow, information systems, marketing, human
Mentorship and Consulting Services, a resources, production, and other business
division of Business Partners Ltd, activities such as expansion, construction,
harnesses the business expertise, skills and installing a new plant or an accounting system
wisdom of senior business and professional where specialised expertise which is not
people, making their services available to internally available or is needed for a short
entrepreneurs in small and medium enterprises period of time.
in South Africa.
Under sectoral assistance, mentors with
The mentors participating in the Business
specific knowledge of certain types of
Partners Mentors programme are carefully
businesses provide sector-specific assistance.
selected individuals who have proved
themselves successful in their business and
careers, and who support the endeavours of Under turnaround assistance, mentors get
Business Partners Technical Assistance, involved in businesses in financial trouble, to
Mentorship and Consulting Services to provide assist in turning these businesses around to
a service of high standards and quality. profitability.
These mentors are prepared to make time The fee structure is set to ensure a cost
available to assist entrepreneurs to improve the effective, yet affordable service. Daily tariffs are
efficiency, profitability and growth of their available on request, and will be determined by
businesses. factors such as the type of business, the locality
of the business, the scope of the assignment,
All mentors subscribe to Business Partners and the mentor available.
Mentors' code of ethics which will ensure that
the principles of integrity, good faith,
confidentiality, impartiality, incorruptibility, Contact the Mentor Liaison Officer at your
accountability and professional conduct are nearest Business Partners office.
adhered to.
Contact Details
Services include counselling and support,
covering the full spectrum of functions of
For contact details please refer to the back of
managing a business, depending on the nature
the Directory.
and size of the business and the expertise of
the mentor.
59
K
hula provides both pre- and post-loan assessment;
mentorship to small and medium size
enterprises. The actual provision of Khula's Regional Office conducts an
mentorship services is done by independent initial assessment in accordance with pre-
mentors / business advisors that are skilled in determined qualifying criteria and
their respective areas of specialisation. communicates the final decision (whether
or not to continue with the application) to
Khula sources its business mentors from a the applicant;
database that is maintained by the Institute of In the event of an application being
Business Advisors of South Africa (IBASA). successful, Khula's Regional Office will
IBASA specialises in the selection and then commission the development of a
accreditation of mentors / business advisors. business plan. This step will involve the
appointment of a mentor to facilitate the
Khula and IBASA have entered into a service business plan development assignment.
level agreement with the primary purpose of The applicant will be expected to play a
regulating and managing the provision of leading role in the whole business plan
business advisory services to the SME sector. development process. Terms of reference
detailing the whole process will be signed
Pre-loan mentorship by Khula, the mentor and the mentee;
www.khula.org.za
60
ENABLIS ENTREPRENEURIAL
NETWORK Contact Details
E
nablis is a Canadian-based not-for-profit Enablis Entrepreneurial Network
organisation that supports entrepreneurs Africa Region Head Office
in the developing world through its
7 Mellis Road
member-driven network, called Enablis
Entrepreneurial Network. 2nd Floor
North Tower
Enablis Entrepreneurial Network is an Bradenham Hall
organized, interactive network of entrepreneurs Rivonia
in developing countries who share similar Johannesburg
values and who believe in the importance of
2192
small-to-medium enterprises for poverty
Tel: 011 234 2526
reduction and sustainable development.
Fax: 011 234 2527
61
T
he Business Place is a network of walk-in supporting small business, SMEs are linked to
centres for entrepreneurs - with relevant business opportunities within key industries.
support and information services offered
under one roof. The Business Place brings Accounting Mentorship:
together business, community based
organisations and NGOs. Programme (AMPS): Recognizing that a large
number of clients lack proper bookkeeping
Services are offered to those who want to start systems, The Business Place has set up a
or grow a small business or micro enterprise, programme to help clients develop a proper
with a strong focus on youth. Clients are computerized bookkeeping system through a
assisted with the “how to‟s” and “next steps” of “learning-by-doing” approach. During the 8 four-
starting, improving or expanding a business. hour training sessions, clients are helped to set
up their own bookkeeping system. The
Specific services include: programme also links each client to a mentor in
order to transfer necessary computer literacy
One-on-one consultations. skills.
62
R
Small conference rooms;
EAL ENTERPRISE DEVELOPMENT
INITIATIVE (RED) Door is an initiative of Ongoing access to mentors;
the Western Cape Government‟s Community entrepreneurship outreach
Enterprise Development sub-directorate within programmes to the youth, women,
the Department of Economic Development and emerging farmers and people with
Tourism. disabilities.
The RED Door is a one-stop shop for new and RED Door advice centres are located in
existing businesses looking for help and advice, Atlantis, Beaufort West, Hermanus, Khayelitsha,
from the most basic to the most sophisticated. Knysna, Mitchell‟s Plain, Paarl, Mossel Bay,
Oudtshoorn, Retreat, Table View & Vredenburg
RED Door aims to: and there are Mobile RED Doors too.
63
B
ased in Durban, SmartXchange is a not- Business Partnership Programme.
for-profit Information & Communications Resource Centre, Sponsored Internet
Technologies cluster established to Access, Sponsored Software Licenses.
promote and support the region‟s vision to be
the technology hub of Africa. Assistance in creating structures relevant
to specific stages of business growth.
The core mandate for SmartXchange includes
Assistance in formulating required
the development of a quality ICT SMME base in
policies and procedures.
KwaZulu-Natal. SmartXchange runs a
structured Entrepreneur Support Programme
(ESP). Admission criteria
64
Durban
THE KHULA PROPERTY PORTFOLIO JHI House
39 Florida Road
T
Morningside
he Khula Property Portfolio came about as
Durban
an initiative from government to provide
Tel: 031 334 6111
business premises to business start ups
or those expanding to medium sized
businesses. Cape Town
Metropolitan Life Centre
The rental charged is highly subsidized in order 26th Floor
to encourage small business operators to move 7 Coen Steytler Avenue
into formal operating space. Foreshore
Cape Town
To qualify for acceptance into the business
Tel: 021 446 4600
premises under the property portfolio, the
following requirements should be met: Fax: 021 948 4388
Contact Details
JHI Place
2 Norwich Close
Sandton
Johannesburg
Tel: 011 911 8000
Fax: 011 911 8146
65
NATIONAL TECHNOLOGY
TECHNOLOGY ADVICE CENTRE (TAC)
TRANSFER CENTRE (NTTC)
T T
he National Technology Transfer Centre he newly-established Technology
(NTTC) is an initiative by the dti to Advisory Centre (TAC), which forms part
facilitate technology transfer and diffusion of the dti Innovation and Technology
to SMMEs with a specific focus on the second programme provides advisory services to
economy. Its vision is to be a Centre of SMMEs wishing to participate in the programme
Technology Transfer Excellence for the SA and offers information on other technology
industry, primarily focusing on SMMEs, service providers outside the dti, in both the
contributing to growth, equity and employment. public and private sector.
The NTTC promotes and facilitates the transfer The TAC will also provide advice based on
of technology, which is appropriate, effective current technology trends. The objective of the
and competitive through the provision of: dti Innovation and Technology programme is to
facilitate the identification of industrial sector
1. Specialist services and advice through its needs and offer support as required by the
networks to industry and; various sectors.
2. Bridging finance on favourable terms to
SMMEs. The programme is aimed at keeping industry
well-informed about global technology
The NTTC assists businesses in acquiring development trends, based on studies
appropriate technologies through national and conducted to determine those key technologies
international networks and in negotiating that would influence the competitiveness,
technology transfer agreements. sustainability and future development of South
African industries.
It offers the following services:
Contact Details
Technology assessment;
Technology sourcing and evaluation;
Ms Daphney Mhlanga
Technology selection;
Technology Linkages
Negotiating and drafting of agreements; Tel: 012 394 1272
Technology transfer education; Fax: 012 394 2272
Technology transfer; E-mail: daphney@thedti.gov.za
Project management;
Technology advisory service;
Contact Details
Laurie Steenkamp
NTTC Centre Manager
Tel: 012 841 3755
Fax: 012 841 3110
E-mail: plsteenkamp@csir.co.za
www.nttc.org.za
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he Tshumisano Trust‟s Technology They are:
Stations Programme (TSP), an initiative
of the Department of Science and
Technology (DST) was established in 2001 to 1. AGRIFOOD TECHNOLOGY STATION
provide technology transfer and related skills
upgrading services that were identified as vital
to the competitiveness of South Africa‟s SMEs. The Technology Station provides a complete
range of scientific and technical services to the
The TSP aims to strengthen technological agricultural and food industries.
innovation activities and related skills upgrading
to increase the relative competitiveness of It services are:
technology-based SMEs in targeted sectors:
Technology transfer, empowerment, food health
and safety practices compliance, process
Agrifood processing;
development and improvements, analytical
Electronics; services, training and awareness programmes.
Metal value adding;
Chemicals; Contact Details
Metal casting;
Larry Dolley
Composite and moulded plastics;
Cape Peninsula University of Technology
Tooling and die making (TDM).
Tel: 021 460 4262
Through its Institutes for Advanced Tooling Fax: 021 460 3905
Stations, Tshumisano addresses tooling in E-mail: dolleyL@cput.ac.za
South Africa by looking at the whole life cycle of
tooling manufacture from design and production
to tool recycling. 2. LIMPOPO AGRIFOOD TECHNOLOGY
STATION (LATS)
Contact Details
The Technology Station provides a complete
range of scientific and technical services to the
Unit U16-U17
agricultural and food industries.
First Floor
Enterprise Centre Its services are: juice processing from raw
6 Mark Shuttleworth Street products, fruit drying, analytical services and
The Innovation Hub technical training to SMEs based in Limpopo
Persequor, Ext 10 Province.
Pretoria
Tel: 012 844 0413 Contact Details
Fax: 012 844 0412
Dr Fhatuwani Nixwell Mudau
www.tshumisano.co.za University of Limpopo
Tel: 015 268 2785
Fax: 015 268 3359
E-mail: mudaufn@ul.ac.za
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ACTS provides a first choice one-stop multi- The Technology Station‟s services include:
disciplinary advisory centre for the automotive product analysis, product design and
components and related industries in Southern development of product formulae.
Africa.
Contact Details
Its services and support include: failure and
fatigue life prediction analysis, mechanical Mr. Vincent Tau
testing of metals, residual stress determination,
Tshwane University of Technology
load monitor, product design and development,
Tel: 012 521 0789
research and development and training.
Fax: 012 703 0671
E-mail: tauvr@tut.ac.za
Contact Details
Contact Details
Ms Veronica Ngubane
Mangosuthu University of Technology
Tel: 031 907 7453
Fax: 031 907 7385
E-mail: veronica@julian.mantec.ac.za
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The Technology Station‟s offerings include: new The Technology Station provides support to
products, new technologies, analytical and SMEs through technology transfer initiatives in
testing services and problem solving services. the fields of composites and metal based
products.
Contact Details
Its services include: product, service and
Mr. Geoff Ritson process improvements, testing capabilities and
training courses.
Nelson Mandela Metropolitan University
Tel: 041 504 3482
E-mail: geoff.ritson@nmmu.ac.za Contact Details
Ms Elma Stoltz
Vaal University of Technology
8. TECHNOLOGY STATION IN
Tel: 016 950 9641
ELECTRONICS (TSE)
Fax: 016 950 9270
E-mail: tscm@vut.ac.za
The objective of the TSE is to assist technology-
based SMEs in the electronic, electrical and
communication technology industries to become
global competitors through product design and 10. TECHNOLOGY STATION IN MATERIALS
development, electric assembling, digital AND PRODUCT DEVELOPMENT
systems and small-scale production.
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he IAT serves the tooling industry and
TSMC specialises in high chromium white ore, develops emerging tooling SMEs to be
foundry sands, abrasion-resistant casting and internationally competitive in the tool and
the production of ultra-hard materials. It aims to die making (TDM) industry. The IAT serves as a
deliver demand oriented services to SMEs to major catalyst for BEE and transformation in the
equip them with competitive advantage and TDM industry through technology transfer
make them more sustainable. Its services are: initiatives, innovation and applied research and
characterisation of foundry sands, casting development. The IAT provides quality design
simulation and methoding, development of of tools in compliance with existing international
castings with special properties, mechanical standards. Its work also includes manufacturing
and destructive testing and failure investigation. of intricate shapes generating tool path for high
speed machining processes using CAM
Contact Details software.
Contact Details
12. TECHNOLOGY STATION IN
REINFORCED & MOULDED PLASTICS Mr. Vusi Skosana
(R&MP) National Tooling Coordinator
Tel: 012 844 0413
The R&MP is the technology transfer Fax: 012 844 0412
mechanism for the Centre for Advanced E-mail: vux@tshumisano.co.za
Materials, Design and Manufacture at the
Durban University of Technology. The R&MP
operates two units: the Prototyping and Testing
Unit which specialises in the fabrication of
prototypes and tooling for the composites sector
and the Industrial Design Unit which specialises
in conceptual design and design verification of
metallic and non-metallic fabrications and
systems and makes use of sophisticated design
analysis software and techniques.
Contact Details
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s a technology partner to industry the Assists in the incubation of fibre
National Fibre, Textile and Clothing technologies by providing facilities,
Centre (NFTCC) promotes the growth advice, equipment and mentoring so as
and global competitiveness of the South African to increase the number of start-up
textile pipeline. Through awareness of relevant SMMEs.
technological developments globally and the Develop value-chain strategies linked to
acquisition or development of technologies, the integrated manufacturing platform.
Centre aims to be the best provider of
knowledge and innovative solutions to the Develop high-quality value-added
textile pipeline in Southern Africa. products, exploiting the whole spectrum
of fibre beneficiation and to exploit the
The Centre assists the textile and clothing market.
industry to beneficiate local raw materials and
achieve considerable growth across the textile
pipeline. Contact Details
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4. Sustainability:
INVESTING IN CULTURE PROGRAMME
Improving the social and economic well-being of
the funded groups with less impact on the
T
hrough its Investing in Culture (IIC) natural resource used. Projects should have the
Programme, the Department of Arts and potential to be self sustaining, use natural
Culture aims to provide empowerment resources and environmentally friendly methods
opportunities for unemployed people from the for harvesting, have the intention to establish a
second economy through training and job small business or business units for the creation
creation in arts, culture and heritage. It provides of long-term employment beyond DAC funding
access to markets and skills as a tool for urban period, and products and / or services should be
regeneration, rural development, and job marketable both locally and abroad.
creation. The funding targets of the IIC
programme are 60% women, 30% youth, 2% Support is offered in the following categories
people with disabilities (PWD) and 40% in within specific genres:
poverty nodes. To qualify for funding, initiatives
should meet the following criteria: 1. Craft:
Creating opportunities for the previously Supported genres are textile design, Jewellery
disadvantaged groups that improve their design, fashion design, craft design.
wellbeing. Priority will be accorded to projects
located within previously disadvantaged 4. Performing Arts:
communities (including poverty nodes and
Supported genres are traditional dance, drama /
provincial priority areas). Projects must comply
production.
with relevant legislation(s) where applicable,
follow good governance, have potential to
support and promote tourism and prioritise Contact Details
women, youth and people with disabilities.
Mack Lewele
3. Capacity building: Director: Communication and Liaison
Strengthen the knowledge, abilities and skills of Kingsley Centre
individuals and improve institutional structures 481 Church Street
and processes such that the organization can Cnr Beatrix & Pretorius Streets
efficiently meet its mission and goals in a Arcadia, Pretoria
sustainable way. There should be good
Tel: 012 441 3000 / 3084
evidence of beneficiaries‟ skills, potential or
Fax: 012 441 3699
ability to learn. Projects should be community
driven and owned or directly benefit the E-mail: mack.lewele@dac.gov.za
community in terms of either jobs, training or
partnerships. www.dac.gov.za
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his KwaZulu-Natal Department of contract basis. Because of the rapid growth in
Transport initiative promotes and supports the number and value of contracts awarded, the
sustainable business development in the Department will now channel aspects of the
emerging contractor sector. It focuses on wealth programme through Emerging Contractor
and job creation in communities that have been Associations. The Department will provide the
most disadvantaged historically. Today more necessary technical and capacity building
than one thousand contracts are awarded assistance to ensure the emerging contractor
annually to emerging contractors with a value of associations can assist their members to:
more than R200-million.
Register as emerging contractors on the
To participate in the programme, emerging department‟s data base.
contractors must be listed on the department‟s
Access finance and credit.
database. Admission onto the data base
requires applicants to undergo a rigorous Access plant.
interview with the Department. The interview is
designed to establish skill levels, ensure that Access suppliers and discounts.
the business is genuine and that it meets the
Access information and training.
objectives of the programme.
The Department also provides contractors with
Application forms may be collected from 172
tendering skills to assist them in the building up
Burger Street, Pietermaritzburg (Economic
of their tender rates. This assists them in the
Empowerment Directorate) or from any of the
understanding of what resources and
Department‟s District offices throughout the
construction methodologies are required to
Province. Alternately, you may request that an
successfully perform their contractual
application form be posted to you by phoning
obligations. On site mentorship is continuously
the Department at 033 355 8780.
provided to assist contractors with ordering
materials, negotiations with suppliers and
The Vukuzakhe programme also offers a range production rates. This mentorship has been
of other support services, including: provided through contract management support
or through joint ventures with established
A relaxation of sureties and performance contractors. Business skills training has been
bonds. provided to assist with compliance to all
statutory requirements. This support
On the job training both in technical and programme has improved the credit rating of
business management skills. contractors.
Organisational development inputs to
form associations. Contact Details
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s part of its SME Skills Development
Support Programme, the MERSETA
offers a web-based training voucher
T he Vuk‟uphile Learnership Programme is
the Expanded Public Works Programme
(EPWP) aimed to develop emerging
contractors to be fully fledged contractors that
are able to execute labour intensive projects in
project allowing SMMEs to apply on-line for accordance with the EPWP Guidelines. It
training vouchers that can be presented to pre- comprises theoretical (classroom training) and
approved providers for accredited skills practical components (on site projects
programmes. Applicants who do not have execution). The learnership programme targets
internet access may apply via a dedicated call historically disadvantaged individuals that have
centre on 086 110 1210. The project targets best chances of succeeding as small
contractors.
SMMEs employing less than 150 employees on
a permanent basis in the manufacturing,
The learnership equips participants with
engineering and related services sector whether
personal and business managerial skills that
paying the Skills Development Levy (SDL) or
can be applied to a diverse range of
exempted by SARS. Companies can apply for
entrepreneurial opportunities. The learnership
vouchers worth up to R100,000.00 per SMME
seeks to achieve the following outcomes:
company. Where ALL the training has been
successfully completed, and the R100,000.00 is
Develop appropriate skills and knowledge
exhausted; the company may apply for
for the establishment and development of
additional funding. The courses offered range
an enterprise.
from Adult Basic Education and Training
(ABET) to technical / industry specific courses. Address the economic / administrative
Funding is on a first come, first served basis; to and behavioural barriers that contribute to
a maximum of two vouchers per employee at a failures in starting and sustaining an
time. enterprise.
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A Construction Industry Board EDA runs an online course for those
Registration of Grade 1 or 2; considering starting up a business of their
own.
Experience in owning/ running or
managing a business;
The course covers the following modules:
Higher qualifications than the minimum
specified;
Personal goals;
Access or ownership of capital or assets
that would be useful for the contracting Products and customers;
company. Registering your business;
Complying with business regulations;
Contact Details Premises;
Production and work process;
CJ Abrahams / Thembani Mackaukau
Managing payments;
Public Works House
Office No. C611 Marketing;
Church Street Employing people.
Pretoria
0001 Contact Details
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he Mining Qualifications Authority‟s he Transport Education and Training
(MQA) Technical Training Support (TTS) Authority (TETA) provides support to
initiative offers technical training to small and micro enterprises registered
informal small-scale miners in minerals with TETA. Its aim is to encourage the
extraction, geological aspects, health and participation of those SME organisations (with
safety, environment management and mining less than 50 employees) already involved in
legislation. skills development and to attract non-
participating organisations to become involved
The training intervention also includes focused in skills development. The objectives of the
training for emerging women entrepreneurs who intervention include promoting and accelerating
have established SMMEs that provide goods quality training for all in the workplace and
and services to the mining and mineral sector. promoting employability and sustainable
livelihoods through skills development.
The training intervention focuses on business,
management and leadership skills. To qualify for assistance, the applicant‟s
business must fall within the transport and / or
related sector. The applicant must also not be a
Contact Details participant in the SETA Levy Grant System.
Planned training must either be unit standard
Special Projects based (e.g. skills programmes) or regulated and
4th Floor Union Corporation Building the training provider must be accredited by the
relevant authority. The training intervention
74-78 Marshall Street
must address critical and / or scarce skills of the
Marshalltown transport sector. Applicants for funding may
Johannesburg submit multiple applications but funding will not
Tel: 011 630 3500 / 3507 exceed R15,000.00 per annum per company.
Fax: 011 832 1027 Training must be completed within 12 months
from receipt of funding and no extension will be
granted.
www.mqa.org.za
Contact Details
www.teta.org.za
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he Venture Capital fund is an initiative Wellington Chadehumbe
that would primarily focus at financing the CEO
first two stages of development of new
Triumph VCM
technology-based firms which are:
Tel: 012 349 2376
The Seed stage (which involves concept Fax: 012 349 2378
development, prototyping, and product E-mail: wellingtonc@triumphvc.co.za
development) and;
www.triumphvc.co.za
Early stage (marketing, production of
goods and / or services), with some
investment in later stages.
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he South African Women Entrepreneurs' technical support, business coaching and
Network, a dti initiative, is a networking mentoring, market access and business
forum for individuals and organisations linkages and cooperative enterprise
that are committed to the promotion and development.
advancement of women entrepreneurs.
Contact Details
The primary client of SAWEN is any female
South African citizen owning or managing an
For information on SAWEN offices
enterprise as part of generating profit, thus
countrywide please refer to the back of the
contributing towards growing the South African
Directory.
economy.
www.sawen.org.za
Secondary clients are females who aspire to
start their own businesses.
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he aim of the Technology for Women in he South African Women in Mining
Business (TWIB), which is a programme Association strives to enhance the
of SAWEN, is to ensure that women participation and economic empowerment
involved in arts and craft, manufacturing, mining of its members in the mining sector both
and energy, construction, tourism and nationally and internationally. It pursues this
information and communication technology are objective by assisting informal mining groups to
empowered to adopt technology and science as obtain mineral rights and run mining
an integral business solution for strengthening businesses / operations and promoting female
their enterprises irrespective of size and empowerment in the mining sector in
location. accordance with provisions of the Mining
Charter.
Contact Details
The Association‟s objectives are to:
Contact Details
www.sawima.co.za
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George
Tel: 044 873 6112 BUSINESS PARTNERS ENTREPRENEUR
Fax: 044 873 3397 OF THE YEAR COMPETITION
Johannesburg Johannesburg
Tel: 011 713 6600 Corene Marx
Fax: 011 713 6650 3 Caxton Road
Industria
Kimberley
Tel: 011 470-3111
Tel: 053 831 1778
Fax: 011 470-3123
Fax: 053 832 2389
E-mail: cmarx@businesspartners.co.za
Nelspruit
Tel: 013 752 3185 Cape Town
Fax: 013 752 4669 Vicky Nickisson
Business Partners Centre
Pietermaritzburg 60 Sir Lowry Road
Tel: 033 345 5471 Cape Town
Fax: 033 342 1410 Tel: 021 464-3600
Fax: 021 461-8720
Polokwane
E-mail:
Tel: 015 297 1571
vnickisson@businesspartners.co.za
Fax: 015 297 1461
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Nelspruit Polokwane
Upper Level Suite 7, Biccard Park
Nelcity Building 43 Biccard Street
Cnr Samora Machel and Paul Kruger Street Tel: 015 294 0901 / 0902
Nelspruit Fax: 015 297 0158
Tel: 013 752 7724
Fax: 013 752 8139 Port Elizabeth
Thuso Mentorship
Block 3, Sanlam Park
KHULA REGIONAL OFFICES 2nd Avenue, Newton Park
Tel: 041 363 2570
Bloemfontein Fax: 041 363 2571
Mimosa Mall
1st Floor, Office 3 Rustenburg
131 Keller Street 32b Heystek Street
Brandwag Sunetco Building
Tel: 051 444 1040 / 1046 Tel: 014 592 6391 / 6372
Fax: 051 444 1042 Fax: 014 592 6385
Durban
7th Floor, South Tower MARANG FINANCIAL SERVICES
214 West Street Limpopo
Tel: 031 301 1916 / 1917 Elvis Zitha
Fax: 031 301 1922 Regional Manager
East London Peace Street, Shop No. 30
71 Western Avenue Tzaneen
Vincent Tel: 015 307 5800
Tel: 043 726 0756 / 3 Fax: 015 307 5800
Fax: 043 721 2447 E-mail: elvisz@marangfinancial.co.za
Kimberley Gauteng
72 Long Street Simon Chaba
Business Partners Building Regional Manager
Tel: 053 832 2275 / 9713 Office No. 2
Fax: 053 832 9585 1st Floor East Way Centre
Boland Building, Silverton
Johannesburg Tel: 012 804 3862
3rd Floor Fax: 012 802 3862
Surrey House Building E-mail: simonc@marangfinancial.co.za
35 Rissik Street
Tel: 011 838 7638 / 8541 Mpumalanga
Fax: 086 605 8672 Naki Molimi
Regional Manager
Nelspruit Shop No. 27
Cnr Brown & Paul Kruger Bluehaze Centre
1st Floor Hazyview
Prorom Building Tel: 013 737 6723
Tel: 013 755 2370 / 2648 Fax: 013 737 6883
Fax: 013 755 2986 E-mail: nakim@marangfinancial.co.za
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Bushbuckridge Klerksdorp
Seda Bushbuckridge Seda Southern District
Tel: 013 799 1961 Tel: 018 462 1376 / 0704
Malelane
Seda Nkomazi
Tel: 013 790 1183
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KwaZulu-Natal Mpumalanga
Ndumiso Mlambo Mr Sabelo Mamba
Smart Xchange Building Provincial Manager
1st Floor No. 30 Brown Street
No.5 Walnut Road 1st Floor,
Cnr Dr Xuma Road (Commercial) Office No. 1
Durban Nedbank Centre
Tel: 031 307 3842 Nelspruit
Fax: 031 307 5876 Tel: 013 755 2696
E-mail: ndumiso.mlambo@eciafrica.com Fax: 086 602 9761
E-mail: sabelom@samaf.org.za
Limpopo
Lodric Mariba & Mildred Pheeha Eastern Cape
49 Landros Maré Street Ms Tandeka Rozani
2nd Floor Provincial Manager
Standard Bank Building 58 Terminus Street
Polokwane 7th Floor
Tel: 015 295 7281 SA Eagle Building
Fax: 015 295 7294 East London
E-mail: lodric.mariba@eciafrica.com Tel: 043 743 5259
or mildred.pheeha@eciafrica.com Fax: 043 743 5249
Western Cape:
Cape Town Free State
Nazeem Sterras Mr Tefo Lekutle
Suite 602 Provincial Manager
80 Strand Street Cnr Maitland and West Burgher Street
Cape Town Bloemfontein
8001 Tel: 051 447 3510
Tel: 021 419 3347 Fax: 051 430 6470
Fax: 021 425 5400 E-mail: tefol@samag.org.za
E-mail: nazeem.sterras@eciafrica.com
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