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SUPPORT RENDERED BY VARIOUS GOVERNMENT DEPARTMENTS
Department of Trade and Industry (the dti)
the dti is the custodian of the agro-processing sector in South Africa, it has an agro-processing unit that aims to support
the processing of food, forestry based industries and other downstream industries. The agro-processing unit is mandated
to develop the various sub-sectors by providing strategic interventions to increase production and competition, and to
grow exports.
Cluster Development Programme
The Cluster Development Programme (CDP) is an incentive programme that aims to promote industrialisation,
sustainable economic growth and job creation through cluster development and industrial parks. The objective of the CDP
is to enhance competitiveness of enterprises within a cluster. It is achieved through defined collaborative projects that
address production, productivity and marketing. It includes the Business Development Services Grant, Shared
Infrastructure Grant and the Cluster Management Organisation (CMO) Funding.
Aquaculture Development and Enhancement Programme (ADEP)
The ADEP was established in 2013 and runs until 2018. It provides up to R40 million to support primary processing (post-
harvest handling, eviscerating, packing, quick freezing); secondary processing (filleting, portioning, packaging) and tertiary
processing (value adding such as curing, brining, smoking, further value adding such as terrines, roulades, pates, paters).
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Black Industrialists Scheme (BIS)
BIS actively promote the growth and competitiveness of black-owned and managed enterprises in the manufacturing
sector, were agro-processing is part of chosen subsectors. The purpose of the BIS is to leverage the state’s capacity to
unlock the industrial potential that exists within black-owned and managed businesses that operate within the South
African economy through deliberate, targeted and well-defined financial and non-financial interventions as described in
the IPAP and other government policies.
Critical Infrastructure Programme (CIP).
CIP supports the construction of infrastructure that enables the investor to undertake a defined fixed investment; the
expansion of existing fixed investment or sustain existing investment. CIP will offer a grant of 10% to 50% of the total
infrastructural development costs for agro processing, up to a maximum of R50 million. The incentive programme covers
bulk infrastructure such as water supply, electrical infrastructure, access roads etc.
12i Tax allowance incentive
The 12I Tax Incentive is designed to support Greenfield investments (i.e. new industrial projects that utilise only new and
unused manufacturing assets), as well as Brownfield investments (i.e. expansions or upgrades of existing industrial
projects). The incentive offers support for both capital investment and training. The window period for receiving
applications under this programme has been extended from 31 December 2015 to 31 December 2017 (two years).
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The objectives of the incentive programme are to support the following:
Investment in manufacturing assets, to improve the productivity of the South African manufacturing sector; and
Training of personnel, to improve labour productivity and the skills profile of the labour force.
Investment allowance:
R900 million in the case of any Greenfield project with preferred status or;
R550 million in the case of any other Greenfield project (qualifying status) or;
R550 million in the case of any Brownfield project with preferred status or;
million in the case of any other Brownfield project (qualifying status);
Training allowance:
An additional training allowance of R36 000 per full time employee may be deducted from taxable income; and
A maximum total additional training allowance per project, amounting to R20 million, in the case of a qualifying
project, and R30 million in the case of a preferred project.
The Export Marketing and Investment Assistance Scheme (EMIA)
The scheme provides marketing assistance to develop new export markets and grow existing export markets; assist with
the identification of new export markets through market research; assist companies to increase their competitive by
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supporting patent registrations, quality marks and product marks; assist with facilitation to grow FDI through missions and
FDI research; and Increase the contribution of black-owned and small businesses to South Africa's economy. The product
should contain at least 35% locally produced.
Sector Specific Assistance Scheme: Project Funding
Sector Specific Assistance Scheme is a reimbursable 80:20 cost-sharing grant scheme whereby financial support is
granted to Export Councils, Joint Action Groups and Industry Associations. The Scheme provides both project funding
and generic funding. Its aim is to achieve the dti’s overall objectives of developing an industry sector as a whole.
Strategic Partnership Programme (SPP)
The SPP is a sub-programme of the Enterprise Investment Programme. It is meant to encourage large private sector
enterprises to support, nurture and develop small and medium enterprises within the partner’s supply chain or sector in
order to be manufacturers of goods and suppliers of services in a sustainable manner. SPP covers up to half of the cost of
manufacturing suppliers and up to 70% for projects that are deemed strategic by the dti. It supports infrastructure linked
to the strategic partner’s supplier development initiative (owned/leased buildings, leased improvements) as well as
product or service development.
The Agro-Processing Support Scheme (APSS)
The APSS seeks to stimulate investment in the agro-processing sector. The objective is to increase capacity, create
employment, competitiveness and enhance transformation. It is a cost sharing grant to a maximum of R20 million.
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Description of qualifying processes/projects
New and existing agro-processing/beneficiation projects. This can also involve a wide range of processing or beneficiation
activities of post-harvest, that result in value addition and/or enhanced storage life, such as cleaning, sorting, grading,
waxing, controlled ripening, labelling, packing and packaging, warehousing, canning, freezing, freeze drying, wood
carving, extrusion, synthesizing, polymerisation, and various levels of processing that change agricultural product form. In
the forestry value-chain may also include sawing, pulping, peeling and preservation.
The APSS is targeting five key identified sub-sectors (focus areas) as Follows:
Food and beverage value addition and processing
Furniture manufacturing
Fibre processing
Feed production
Fertilizer production.
Eligibility criteria
An applicant must submit a completed application form and business plan with detailed agro-
processing/beneficiation activity (ies), budget plans and projected income statement and balance sheet, for a
period of at least three years for the project. The project/business must exhibit economic merit in terms of
sustainability.
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The application must be submitted within the designated application window period, prior to start of
processing/beneficiation or undertaking activities being applied for. Any assets bought and taken into
commercial use or competitiveness improvements costs incurred before applying for the incentive will be
considered as non-qualifying.
For existing entities, submit latest financial statements, reviewed by an independent external auditor or
accredited person, not older than 18 months.
The approved entity may not reduce its employment levels from the average employment levels for a twelve-
month period prior to the date of application, and these employment levels should be maintained for the duration
of the incentive period/ agreement.
That is, the total number of employees in the entity (inclusive of full-time and full-time equivalent) in each year of
the incentive period may not be less than base year employment for a 12 month period prior to the date of
submission of the application, as defined in above
Any reduction in the total number of employees over the duration of the incentive, will disqualify the applicant.
Any claims not yet evaluated or paid will immediately lapse and no obligation will accrue to the dti on such
claims.
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Minimum qualifying investment size, including competitiveness improvement cost, will be at least R1 million.
Grant offering
The scheme offers a 20% up to a 30% cost sharing grant to a maximum of R20 million over a two-year investment period,
with a last claim to be submitted within six months after the final approved milestone.
Industrial Development Corporation (IDC)
The IDC has a dedicated agro-processing and agriculture business unit that aims to expand funding for viable businesses
in agro processing and agriculture. The unit has been able to draw on funds for agro-processing and to support small
suppliers to retail that derive effectively from agreements with the competition commission designed to improve the
competitive environment in agro processing.
The Jobs funds
For this funding, applications may be submitted through the following funding windows: enterprise development, support
for work seekers, Infrastructure and institutional capacity building. However, given the Fund’s emphasis on a
systems/M4U approach your application should reflect how you will intervene at multiple points in the system to give effect
to sector/industry; value chain wide systemic impact.
Support for Work-seekers: The Jobs Fund will partner with intermediaries and co-finance innovative
initiatives that support work-seekers and which are specifically linked to employment outcomes. These may
relate to entrepreneurial development, training (although not in isolation), or job placement services.
Initiatives must be linked to the realities of the market, and should target unemployed women an youth,
those who have never worked before and the unemployed.
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Enterprise Development: These innovative initiatives are preferably led by the private sector or NGOs, in
order to leverage the partners’ capacity for innovation, investment and risk-taking. Initiatives under this
window will result in sector/industry wide impact and scale.
Infrastructure Development: The Jobs Fund will partner with intermediaries to co-finance investment in
economic infrastructure which will unlock and catalyse job creation. Infrastructure initiatives that focus on
those factors that will directly contribute toward reducing the impact of spatial inequality; enabling
productivity in the economy and or infrastructure which ‘crowds in’ private sector activity in a particular area
will be more favourably considered.
Institutional Capacity Building: The Jobs Fund will partner with intermediaries to co-finance investment in
building capable institutions. The Jobs Fund aims to catalyse and incentivise innovative approaches which
combine commercial sustainability with job creation potential.
How do you qualify for funding?
The following criteria must be meet:
The minimum funding request is R10 million
Projects will be given a maximum of three years to implement and deliver the direct jobs promised
The applicant must be an intermediary i.e. sector/industry specialists, industry association, financial
intermediaries, implementing agent for making markets work for the poor (M4P) approach to development
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Applicants must demonstrate the ability to secure matched funding at a minimum matched funding ratio of
1:1.
Department of Agriculture Forestry and Fisheries (DAFF)
Directorate: Agro-processing support
It aims to complement the interventions undertaken by other departments in this connection, led by the dti. Its mandate
includes but not limited to the following:
To facilitate the implementation of enterprise and supplier development initiatives;
To identify and encourage the use of innovative agro-processing technologies to start up agribusinesses;
To facilitate and ensure compliance of start-up agro-processing enterprises to SABS norms and standards;
To collaborate with other government departments and entities as well as the private sector to align and
integrate agro-processing development initiatives to achieve rural industrialisation;
To provide timely and relevant agro-processing economic information;
To partner and collaborate with appropriate institutions around technological, financial and economic research
related to the agro-processing industry.
The Department of Agriculture Forestry and Fisheries (DAFF) is working on the following agricultural schemes, the
Comprehensive Agricultural Support Programme (CASP) and MAFISA funding programmes.
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Comprehensive Agricultural Support Programme (CASP)
The aim of this programme is to provide post settlement support to the targeted beneficiaries of land reform and to other
producers who have acquired land through private means and are, for example, engaged in value-adding enterprises
domestically or involved in export.
Objectives and allocation criteria:
Community involvement and ownership
Enhances national and household food security
Target beneficiaries should be from the previously disadvantaged group
One-off grant and not committing the Government to any form of direct recurrent operational or maintenance
projects grants
Long-term sustainability and economic viability
Project finance support will only be provided for agricultural activities having the required level of institutional and
technical support
Projects that will generate employment opportunities should be given priority
Grant conditions
Complement provincial budgets to improve and increase farmer support services within the CASP framework
Implementation of quarterly reporting on approved plans for targeted areas and beneficiary groups.
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MAFISA Scheme
MAFISA provides financial services to small-holder producers in the agriculture, forestry and fisheries sector. The
objective of the scheme is to address the financial services needs of smallholder producers in the sector. Services
provided through the scheme include production loans, facilitation of saving mobilization and capacity building for member
owned financial institutions (intermediaries).
Eligibility criteria
Be a South African citizen with a valid South African identity document
Be from historically disadvantaged groups
Enterprise must show ability to repay the loan
Be of the age of 21 and above (between 18 and 20 there is a need for parental/guardian consent)
Gross non-farm income to be not more than R20 000 per month
Turnover of the enterprise not to be more than the SARS tax threshold
Enterprise should be agriculture, forestry or fisheries related
Positive credit history
Terms and conditions:
Maximum loan size is R500 000 per person
Interest rate charged is 8% per annum compound
Loans below R25 000 do not require security
Repayment term is tied to income cycle of the enterprise
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Loans are available for individuals and groups
All applicants must meet MAFISA loan requirements to be considered.
Department of Rural Development and Land Reform (DRDLR)
Agro-processing in DRDLR falls under the Rural Enterprise and Industrial Development sub-programme, which has two
chief directorates: Secondary and tertiary Cooperatives and Rural Industrial Development. The functions of Rural
Industrial Development include: agro-processing, and in particular the establishment of agri-parks; village markets; credit
finance and investment facilities; public, social services and economic hubs in villages, including retail parks and malls;
support for manufacturing; building relationships with commodity groups; and facilitating engagement with regional and
national economic growth agencies.
Under cooperatives support, DRDLR aims to organise primary coops into secondary coops, and to support existing and
new coops around registration, drafting a constitution, building administrative capacity and ensuring compliance,
facilitating training and monitoring, building capacity (including logistics) for market access; coordinate the establishment
of infrastructure (wholesale facilities, storage and packaging); facilitate improved bargaining and bulk buying power and
broadened market opportunities; assist with access to Cooperatives Incentive Schemes; and engage with organs of
state, private sector and stakeholders and building partnerships (tertiary activities).
Land Redistribution for Agricultural Development (LRAD) Programme
The Land Redistribution for Agricultural Development (LRAD) programme is a sub-programme of the Redistribution
programme of the Department of Rural Development & Land Affairs (DRDLR). It is specifically aimed at giving Black
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farmers access to land for subsistence or productive purposes and is jointly run by the Department of Land Affairs and the
Department of Agriculture.
LRAD's main focus is to assist Black people to gain increased access to agricultural land, for use and ownership, by
allocating grants. These grants, which the State provides, are free and do not need to be repaid. However, it is expected
of applicants to contribute at least R5 000, in the form of cash, towards labour or agricultural implements. The larger the
applicant's contribution, the larger the grant from the State will be.
The Land Redistribution for Agricultural Development (LRAD) programme tries to:
Provide previously disadvantaged individuals with improved/better opportunities to own agricultural land.
Assist rural people in improving their standard of living.
Ensure more effective use of available agricultural land.
How much is the grant?
To receive the minimum grant amount of R20 000 the applicant must make a contribution of R5 000 Recap Program
The recapitalisation and Development Program is aimed at Land Reform beneficiaries. Land Reform farms with mortgage
component. Emerging farmers who purchased farms privately. Irrigation schemes and farms on communal areas. Funding
will be based on a comprehensive business plan on a sliding scale over five years. A strategic partner forms part of the
funding structure.
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Proactive Land Acquisition Strategy (PLAS)
PLAS focuses primarily on the poor and is based on the state pro-actively purchased land with high agricultural potential.
The Department then selects beneficiaries who can lease the land with the option to purchase the land.
Commonages.
The commonage product aims at improving people’s access to municipal land for agricultural purposes. Farm Equity
Schemes. This is an arrangement where participants purchase equity in the form of shares inland based enterprise.
Participants receive returns in the form of dividends and capital growth. Settlement Production Land Acquisition Grant
(SPLAG).
Settlement Production Land Acquisition Grant (SPLAG)
The Settlement and Production Land Acquisition Grant (SPLAG) is a grant to provide for both settlement and agricultural
production land needs of people living and/or working on rural land. In this context, rural land (land outside proclaimed
towns) also refers to farm land. The Settlement Production Land Acquisition Grant (SPLAG) will cater for both settlement
and agricultural production purposes.
Economic Development Departments (EDD)
The Minister of Economic Development is responsible for coordinating the development of the country’s New Growth Path
and overseeing the work of key state entities engaged in economic development.
On 11 October 2016, Government and seven companies in the construction industry signed an agreement to promote
transformation in the sector and settle outstanding and potential civil claims between the parties relating to a number of
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infrastructure projects. The civil claims relate to the infrastructure projects in the period to 2010 that were settled as part of
the Fast-Track Settlement process with the Competition Commission.
The Settlement Agreement, also known as the Voluntary Rebuilding Programme (VRP), has three components:
Financial contributions by the companies of R1.5 billion for developmental projects (in addition to the R1.4 billion in
competition penalties previously imposed by the Competition Tribunal);
Commitments to promote transformation and black South African ownership and participation in the sector, through
either equity transactions or by partnering with and developing smaller, black-owned construction companies that
will result in black-owned companies with a market value of roughly R5 billion in 2024; and
Integrity commitments by the company CEOs to take all steps to avoid collusion and corruption in their dealings
with the state, their competitors and their customers and to partner with Government in exposing all forms of
corruption and tender irregularities.
Department of Small Business Development
Co-operative Incentive Scheme (CIS)
The Co-operative Incentive Scheme (CIS) is a 100% grant for registered primary co-operatives (a primary co-operative
consists of five or more members). The objective of the CIS is to improve the viability and competitiveness of co-operative
enterprises by lowering their cost of doing business through an incentive that supports Broad-Based Black Economic
Empowerment.
Objectives
Promote co-operatives through the provision of a matching grant;
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Improve the viability and competitiveness of co-operative enterprises by lowering the cost of doing business;
Assist co-operatives to acquire their start up requirements;
Build an initial asset base for emerging co-operatives to enable them to leverage other support; and
Provide an incentive that supports broad-based black economic empowerment.
Eligible activities through the grant:
Business development services (e.g. feasibility studies; business, manufacturing and production systems; and
production efficiency and improvement, etc)
Technological improvements
Machinery, equipment and tools
Commercial vehicles
Infrastructure linked to the project (e.g. 3-phase electricity; boreholes, etc.)
Working capital.
Who benefits / eligible criteria:
Eligible entities should:
Be incorporated and registered in South Africa in terms of the Co-operatives Act of 2005
Be emerging co-operatives with a majority black ownership
have projects in any of the different economic sectors
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adhere to co-operative principles
be owned by historically disadvantaged individuals (HDIs) and
be biased towards women, youth and people with disabilities.
The Small Enterprise Development Agency (SEDA)
Seda an agency of the department of small business development which provides non-financial support to small
enterprises and co-operatives. Seda’s mission is to develop, support and promote small enterprises throughout the
country, ensuring their growth and sustainability in co–ordination and partnership with various role players, including
global partners, who make international best practices available to local entrepreneurs.
Departments of Environmental Affairs
The Government of South Africa through the Department of Environmental Affairs (DEA) has set up a Green Fund to
support the transition to a low carbon, resource efficient and climate resilient development path delivering high impact
economic, environmental and social benefits. The allocation of R800m represents the initial resources available for
disbursement by the Green Fund. The DEA has appointed the Development Bank of Southern Africa (DBSA) as the
implementing agent of the Green Fund.
Green Fund
The Green Fund aims to provide catalytic finance to facilitate investment in green initiatives that will support poverty
reduction and job creation. Importantly, the Fund will only support initiatives which would not have been implemented
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without its support. The Green Fund is additional and complementary to existing fiscal allocations supporting the
transitioning of the South African economy to a low-carbon, resource efficient and climate resilient growth path.
Due to its focus on innovative projects, unless a strong case is made for the coverage of a funding or financing gap, the
Green Fund will not support such projects.
The Green Fund will respond to market weaknesses currently hampering South Africa’s transition to a green economy by:
promoting innovative and high impact green programmes and projects
reinforcing climate policy objectives through green interventions
building an evidence base for the expansion of the green economy, and
attracting additional resources to support South Africa’s green economy development.
The Green Fund has identified three thematic funding windows which will contribute to the transition to green
economy.
Green Cities and Towns (GCT)
Local government, through public sector procurement and alignment of spending on infrastructure and services, with
environment performance indicators, can play a significant role in generating the demand for green products and services.
This in turn can create greater localisation of green technologies. By assisting in implementation at local government, the
Green Fund can play a role in catalysing significant levels of both public and private sector investment in the green
economy.
The vision of the GCT window is to strive for well run, compact and efficient cities and towns that deliver essential
services to their residents, utilising available natural resources efficiently and sustainably.
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Focus areas:
Sustainable transport
Sustainable waste management and recycling
Renewable energy, including off grid and mini grid
Sustainable water management
Energy efficiency and demand side management
Sustainable human settlements, the built environment and green buildings
Ecosystem services
Eligible applicants: this window is open to proposals from municipalities, municipal entities, suppliers to municipalities
and small and medium enterprises. For private sector applicants, confirmation of support from municipality must be
provided in the application.
Low Carbon Economy (LCE)
The decoupling of economic growth from its impact on natural resources will be driven by private sector efforts to
lower environmental impact and resource consumption. This can be achieved through clean production methods and
other climate change mitigation and adaptation measures. These include interventions targeting industrial efficiency
and the carbon intensity of the economy including energy efficiency, reducing pollution from industrial processes,
waste management and reuse of by-products.
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The vision of the LCE window is to strive towards a low carbon growth trajectory in line with national climate change
policy principles.
Focus areas include:
Energy efficiency
Renewable energy
Rural energy including off grid and mini grid
Biogas and biofuels
Sustainable transport
Industrial cleaner production and consumption projects
Eligible applicants: this window is open to proposals from the private sector including small and medium enterprises,
research and non-governmental organisations.
Exclusions: The fund will not consider proposals from large Renewable Energy Independent Power Producers, nor from
bio-fuels projects that utilise invasive plants and food sources as feedstock.
Environmental and Natural Resource Management (NRM)
The protection of biodiversity and securing the sustainable delivery of ecosystem services is the primary focus of this
Window. These include interventions targeting ecosystem based adaptation to climate change that could drive rural
development models. Managing and reducing the impact of agriculture and land use changes through demand
management and resource conservation will be supported.
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The vision of the NRM window is to strive for protected and conserved resources for sustained ecosystem services to
support South Africa's development path.
Focus areas:
Payment for Ecosystem Services (PES) projects
Biodiversity Benefiting businesses, including sustainable farming
Land use management and models
Rural adaptation projects and plans
Eligible applicants: this window is open to proposals from the private sector (including small medium enterprises), non-
governmental organisations, universities and research institutions, and community based organisations.
Exclusions: For private sector applicants, cost of conversion from conventional agriculture to sustainable agriculture will
not be supported.
Eligibility criteria
Each application will undergo an initial screening to assess suitability in terms of the Green Fund’s objectives. All
applications will be subjected to the following eligibility criteria which they must meet:
Relevance: match to the funding window and focus areas therein
Innovation: the project is new and unique in the green economy space. This innovation can relate to any of the
following aspects: technology, business model, institutional arrangements, or financing approach.
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Additionally: the project cannot proceed without the Green Fund’s financial support and a funding gap should be
demonstrated.
Ability to scale up and/or replicate: the projec has the potential to be rolled out to other sites and/ or to be
implemented at a large scale.
Institutional requirements
At the point of application, applicants need to ensure the following (where applicable):
Registered legal entity or identifiable natural persons (evidence to be attached)
Established bank account at a registered South African financial institution (evidence to be attached)
Tax clearance certificate (evidence to be attached)
No adverse audit findings or disclaimer of audit opinion in last two years
Not barred from participating in government procurement
Not credit blacklisted through a default judgement or an un-rehabilitated insolvent
The Small Enterprise Finance Agency (SEFA)
Structured finance is used to finance businesses that require funding that fall outside the parameters of term and bridge
loan facilities. The support is provided by way of a debt facility but mainly tailored around the requirements of the project
(tailored finance). The SEFA finance loan can be taken over a period of maximum five years.
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Land Reform Empowerment Facility
The Land Reform Empowerment Facility is a wholesale financing facility, meaning DSEFA lends money to commercial
banks and other lenders for on-lending to land reform beneficiaries. Loans include: Mortgage – R15 million up to 12 years
repayment, Equity Share Scheme – R1 million per beneficiary up to 12 years repayment, Production loans – up to R500
000 per production cycle with 10% own contribution up to 18 years repayment and Agricultural Asset Finance – R 800 000
per farmer up to five years repayment period.
The National Empowerment Fund (NEF)
NEF provides funds to black entrepreneurs and groups with the aim of facilitating access to finance in support of Broad-
Based BEE in terms of government legislation. The investment activities of the NEF are guided by an investment policy
that seeks to ensure that investments create real economic empowerment for black people without deviating from sound
economic principles.
Rural and Community Development Fund.
Rural and Community Development Fund was designed to promote sustainable change in social and economic relations
and supporting the goals of growth and development in the rural economy, through 011 305 8000 or 0861 843 633
www.nefcorp.co.za financing of sustainable enterprises. This would be achieved through the mobilisation of rural
communities in legal entities or cooperatives, in order to participate in the broader economic activities and realize the
economic transformation goals in rural South Africa. The fund has four products: Project Finance, Business Acquisition,
Expansion Capital and Startup/Greenfields with the funding threshold ranging from a minimum of R1 million to R50
million. The sectors covered primary and secondary agriculture, agro-processing, agro forestry. Minimum 25,1 % black
ownership required with up to 10 years repayment
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Land Bank
The Land Bank has various term loans for agriculture. These are long term mortgage loan, medium term loans and short
term loans. They are meant to finance land purchases, implements and production costs respectively. The term range
from 18 months to 15 years.
Old Mutual: Masisizane Fund.
The mandate of the Masisizane Fund is to contribute to employment creation, reduction of inequality, economic growth
and attraction of investment to Small, Medium and Micro Enterprise development and promotion of entrepreneurship. The
fund caters for agriculture and agro-processing amongst others together with other non-financial support services like
capacity building. The maximum is R10m over a five year repayment period.
IMbewu Fund
This Fund is designed to support black entrepreneurs wishing to start new businesses as well support existing black-
owned enterprises with expansion capital. The Fund supports these entities by offering debt, quasi-equity and equity
finance products with the funding threshold ranging from a minimum of R250 000 to a maximum of R10 million.
Funding is delivered through the following products:
1. Entrepreneurship finance
2. Procurement finance
3. Franchise finance
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Entrepreneurship finance
The Entrepreneurship Finance product is aimed at providing start-up and expansion capital to new and early-stage
businesses that are owned and managed by black people.
The key criteria of this product are:
BEE applicants should be actively involved in the day-to-day management of the business
Minimum black ownership of 50.1% is a requirement
Business and/or industry experience by black entrepreneurs is also considered
The NEF reserves the right to oblige applicants to participate in the NEF mentorship programme where there is
lack of business and/or Industry experience
The business should be able to repay NEF’s investment
Funding Instruments include term-loans, shares and other structures with ordinary share characteristics
NEF funding is charged at prime linked interest rates
Business must have a clear value-add with a sound business case
Maximum NEF funding is R10 million
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The NEF will exit from the investment in five to seven years
Procurement finance
The Procurement Finance product is aimed at assisting black-owned SMEs that have been awarded tenders or contracts
by public and private sector entities. The product’s main objective is to ensure that qualifying SMEs have the capacity to
carry out the contracts.
The key criteria of this product are:
The term of the loan will match the duration of the contract.
NEF funding is generally limited to R10 million
There must be active participation by black individuals in the operations of the business
Minimum black ownership of 50.1% is required
Industry knowledge by management or there must be clear transfer of skills through relevant partnerships
Funding instruments include term-loans, bridging finance, asset finance, revolving facilities and debt finance
NEF will fund both the acquisition of assets and the working capital requirements of the business
NEF funding is charged at prime linked interest rates
The NEF reserves the right to oblige applicant to participate in the NEF mentorship programme
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NEF will support contracts awarded by reputable entities
NEF does not generally support subcontracts especially those awarded by agents and entities that have a weak
financial position and lacking track record
The contract must be commercially viable and generate sufficient profits and cash flow to repay NEF’s loan
Franchise Finance
The Franchise Finance product is aimed at assisting black entrepreneurs who wish to acquire a franchise license. The
product is aimed at entrepreneurs who wish to start their own businesses by buying a franchise linked to a particular
brand to reduce risks associated with start-up businesses lacking a track record.
The key criteria of this product are:
The NEF prefers to fund well established franchise concepts
Active management involvement by BEE parties is required
Minimum BEE shareholding of 50.1% is a requirement
NEF funding of franchises is through a loan instrument with the term matching the duration of the franchise license,
however, up to a maximum term of seven years
BEE party must have been pre-approved by the franchisor before approaching NEF
NEF funding generally limited to R10 million
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NEF will fund SME; using mainly debt
NEF funding is charged at prime linked interest rates
The NEF will exit from the investment in five to seven years
UMnotho Fund
This Fund is designed to improve access to BEE capital and has five products: Acquisition Finance, Project Finance,
Expansion Finance, Capital Markets Fund, and Liquidity and Warehousing. These products provide capital to black-
owned and managed enterprises, black entrepreneurs who are buying equity shares in established black and white
owned enterprises, starting new ventures, expanding existing businesses and BEE businesses that are or wish to be
listed on the JSE.
Funding ranges from R2 million to R50 million and details of the five products are provided below:
1. Acquisition Finance
2. New Venture Finance
3. Expansion Capital
4. Capital Markets
5. Liquidity and Warehousing
Acquisition Finance
The key criteria of this product are:
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BEE applicants seeking to fund equity purchases of between R2 million and R75 million in existing businesses
Focus on medium to large companies
Focus on partnerships with existing management teams and other equity investors
Minimum BEE ownership of 25.1% post NEF investment
Active BEE management participation
Active BEE involvement in investee companies
BEE Financial contribution determined on case-by-case basis
Investment instruments can include a combination of debt, equity and mezzanine finance
The NEF reserves the right to oblige applicants to participate in the NEF mentorship programme
Typical investment horizon of four to seven years
Security to include personal guarantee
New Venture Finance
This product provides capital of R5 million to R25 million per project for BEE parties seeking to participate in medium-sized greenfields projects with total funding requests of between R10 million and R200 million. The key criteria are:
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Minimum 25.1% BEE shareholding
Investment instruments can include a combination of debt, equity and mezzanine finance in support of BEE
BEE-specific financial contribution assessed on a case-by-case basis
NEF exposure to the project generally not to exceed 50% of total project costs
Proven management experience within consortium
Active BEE involvement in investee companies
The NEF investment horizon is five to 10 years
Security to include personal guarantees
Expansion Capital
The NEF will provide funding of R5 million to R75 million to entities that are already black-empowered, but seek
expansion capital to grow the business.
The key criteria of this product are:
Investment instruments can include a combination of debt, equity and mezzanine finance in support of BEE
BEE shareholding should be minimum of 50.1%
Pricing based on instrument, risk matrix, security package, etc.
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Typical investment horizon of four to seven years
Active BEE involvement in investee companies
Security to include personal guarantee and security over business assets
Capital markets
This product invests in BEE enterprises, particularly those owned by black women that seek to list on the JSE or its
junior AltX market. The Umnotho Fund will also help listed BEE companies to raise additional capital for
expansion.
All other key features are similar to those of the Acquisition Finance product.
Liquidity and Warehousing
This product assists BEE shareholders who need to sell a portion or all of their shares (as minority stakes in
unlisted firms are hard to sell). Also acquires and temporarily warehouses these shares before on-selling them to
new BEE shareholders, and refinances BEE shareholdings where existing financing structures are costly and/or
inefficient.
All other key features are similar to the Acquisition Finance Fund.
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Rural and Community Development Fund
Rural and Community Development Fund was designed to promote sustainable change in social and economic relations
and supporting the goals of growth and development in the rural economy, through financing of sustainable enterprises.
This would be achieved through the mobilisation of rural communities in legal entities or cooperatives, in order to
participate in the broader economic activities and realise the economic transformation goals in rural South Africa. The
fund has three products: Acquisition Finance, Expansion Capital and Project Finance (New Venture/Start-up/Greenfields)
with the funding threshold ranging from a minimum of R1 million to R50 million.
Sectors funded:
Agro-processing and manufacturing
Eco-tourism
Forestry and fisheries
Commercial property
Aqua and marine culture
Non - farm activities (rural based)
Acquisition
This product was designed to cater for rural entrepreneurs or communities seeking to buy equity in existing rural and
community enterprises focusing on small to large ventures where partnerships between NEF, BEE parties or community
entity and technical partner is involved.
New Venture Capital
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New Venture Capital product is aimed at assisting rural entrepreneurs and co-operatives and communities with equity
contribution towards establishment of sustainable new ventures in Agri-sector including forestry, tourism, processing, etc.
Medium sized new venture projects with total funding requirements of between R1m and R50m.
Expansion capital
This product facilitates involvement and ownership by communities in projects promoting social upliftment of rural and
community projects using entities such as co-operatives and private companies.
Strategic Projects Fund
A unit of the NEF established with a mandate to increase the participation of black people in early-stage projects
Aligned to national Government policy
Seeks competitive opportunity for the South African economy and the inclusion of black participation in
opportunities at the outset of projects, as opposed to doing so during equity closure.
SPF's sector focus is informed by the government's strategies on industrial development through the dti's National
Industrial Policy Framework, the corresponding Industrial Policy Action Plans [IPAP] as well as the current government
economic growth strategy, the New Growth Path. The sectors identified based on the IPAP and the New Growth Path and
are listed as follows:
Agriculture;
Business Process Outsourcing (call centres, data storage centres and termination centres);
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PROVINCES
KWAZULU-NATAL
Trade and Investment Kwazulu-Natal
Spatial development initiatives (SDIs) aim to facilitate the creation of viable jobs and maximise the ability of local
communities to benefit from the increased economic activity. In KwaZulu-Natal, the following well-established SDIs are at
varying stages of delivery:
Pietermaritzburg - Msunduzi SDI: Comprises the leather and footwear industries, wood products and furniture, the
aluminium industry, and the establishment of a tourism cluster.
Richards Bay - Empangeni SDI: Opportunities her relate primarily to industry, infrastructure projects, SMME development
and tourist attractions. The focus is on the creation of downstream processing opportunities for the wide array of raw
materials produced in the area, as well as developing its tourism strength as the gateway to northern KwaZulu-Natal
Lubombo SDI: a corridor stretching from the Greater St Lucia Wetland Park and along the Indian Ocean coastline to
Ponta do Ourao in Mozambique, embracing Jozini Dam and game reserves in Swaziland, it is focused on tourism and
major agricultural development opportunities.
Agribusiness Development Agency (ADA)
The ADA strives to promote, establish, facilitate and support the growth of black owned and managed agribusinesses
along agricultural value chains in KwaZulu-Natal through partnerships with individuals, communities, private sector and
other public sector institutions in order to achieve a transformed agribusiness sector in the province.
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The KwaZulu-Natal Department of Economic Development and Environmental Affairs (EDTEA)
The KwaZulu-Natal Department of Economic Development and Environmental Affairs is mandated to oversee the socio-
economic transformation in the province. It therefore leads the policy and strategic initiatives directed at promoting
development and growth in various sectors of the economy. However, to achieve its objectives, the Department has to co-
operate with various stakeholders and social partners that include the private sector and civil society. National and
provincial legislative, policy and strategic frameworks guide the operations of the Department.
EASTERN CAPE
Department of Rural Development and Agrarian Reform (DRDAR)
The department of Rural development and Agrarian Reform (DRDAR) is working with the Eastern Cape Rural
Development Agency (ECRDA) in enhancing the agricultural sector.
Eastern Cape Rural Development Agency (ECRDA)
The Eastern Cape Rural Development Agency (ECRDA) is a schedule 3 (c) entity in terms of the Public Finance Management Act
(PFMA). ECRDA has dedicated focus on formulating, promoting and ensuring the implementation of a comprehensive integrated
rural development strategy for the Eastern Cape.
Eastern Cape Development Corporation (ECDC)
The Eastern Cape Development Corporation (ECDC loans) has emerged over the years as a strong anchor for economic
revitalisation in the Eastern Cape. Acting as the much-needed link between the public and private sector, ECDC has
cultivated innovative and developmentally conscious private sector development initiatives. These initiatives have
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continued to contribute to overcoming the constraints of poverty, unemployment, inequality, under-development and other
past inequalities.
In order to provide an effective service, ECDC finance has developed diverse business units all catering for various
needs. ECDC is divided into development finance, investment promotion, export promotion, enterprise development
services, property management and development as well as spatial and rural projects unit.
Criteria for finance
A business with headquarters in the province, or can prove the major developmental impact will be felt in the
province, will be considered for finance.
ECDC also understands the historical lack of access of small to medium enterprises to finance.
Through ECDC’s short-term and long-term product offering, the Corporation has set itself apart as the financial
service provider of choice for initiatives that bring a meaningful development impact to the Eastern Cape economy.
ECDC facilitates financial viability and sustainability of these initiatives through the provision of financial resources
at highly competitive rates.
1.6 Department of Economic Development, Environmental Affairs and Tourism
Local and Regional Economic Development Grant Fund
Objectives
The main objective of the LRED Fund is to support enterprises and/or projects that promote:
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Sustainable job creation to reduce poverty levels, especially among historically discriminated and disadvantaged
communities and individuals
Generation of additional sources of income for the poor
An improved quality of life in communities brought about by improvements in local economic and infrastructure
An entrepreneurial culture, economic and social inclusion, increased levels of confidence, self-belief and initiative,
and capabilities for sustaining own enterprises among individuals and groups from marginalised communities.
Qualifying projects
The DEDEAT LRED Fund will support enterprises and/or projects with one or more of the following objectives:
Support to provincial prioritised sectors (as per Provincial Economic Development Strategy) and clusters of
industry in order to reposition the province into higher value-added segments of supply chains, while
increasing equitable participation in these value chains;
Support to economic development initiatives which are part of or aligned to municipal IDPs and LED plans,
provincial and national strategies;
Development of new sources of economic activity in small towns, townships and villages aimed at
employment creation;
Promotion of new technologies – including green technology - and a knowledge-based economy with
potential for local enterprise stimulation and employment creation;
Creating pathways to sustainable business and growth for those in the informal economy or subsistence
economies;
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Promoting better local links between education and enterprise (better skills match to meet needs of particular
enterprises in the market);
Integrating the workforce of the Province – local actions to address unemployment, youth and women,
pathways to economic integration, up-skilling those in low pay-low skills jobs, sustainable livelihoods – to
tackle poverty and social exclusion.
LRED will not fund the following:
Projects involving the purchase and resale of goods without value-adding activity (e.g. retail trading
activities)
Projects that are used to fund the transfer of ownership of an enterprise or acquisition of shareholding in an
existing enterprise
Franchise enterprises
Trusts
Projects that qualify for other dedicated government funds
Eligible Beneficiaries / Enterprises
Registered business enterprises excluding sole proprietors
Legally established community based organisations
Cooperatives
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Parastatals, non-governmental organisations, non-profit organisations and public sector organisations are
not eligible to apply for funding, but may form partnership group with any of form of enterprises listed above
Officials of state – both office bearers and employees of institutions and entities detailed in Schedules 1, 2,
and 3 of the Public Finance Management Act, are excluded from benefiting from projects supported and
may NOT form part of any of the entities
An individual can belong to only one entity
If a partnership is a Joint Venture with a clear contractual agreement joining together two or more entities for
the purpose of executing a particular business undertaking, this will be considered. All applications
submitted by Joint Venture should ensure that a list of all partners and signed partnership statements are
provided
Service providers (consultants) who are defined as parties providing a service to the project in return for a
fee, who will not be investing in the implementation and ongoing operation of the project cannot form part of
the entity or partnership group
An applicant and/or partnership group must detail previous support to it or constituent parts, received from
the LRED fund
Entities that are expanding their businesses shall be in operations for at least three years or more at the time
of submitting the application.
Eligible Applicants
The applicant must:
be directly responsible for the preparation and management of the project, not acting as an intermediary
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have stable and sufficient financial resources or collateral to ensure the continuity of their organisation
throughout the project
be able to demonstrate their capacity to manage activities corresponding with the size of the project for
which the fund is requested
be South African citizen and reside in the Eastern Cape.
The following are prohibited from applying / participating in the LRED funded projects if:
They are bankrupt or being wound up, are having their affairs administered by the courts, have entered into
an agreement with creditors, have suspended business activities, are subject of proceedings concerning
those matters or are in any analogous situation arising from a similar procedure provided for in national
legislation or regulations;
They have been convicted of an offence concerning professional conduct by a judgement against which no
appeal is possible
They are guilty of grave professional misconduct proven by any means which the DEDEAT can justify
They have not fulfilled obligations relating to the payment of taxes
They have been the subject of a judgement which has the force of res judicata for fraud, corruption,
involvement in criminal organisation or nay other illegal activity
They have been declared to be in serious breach of contract for failure to comply with their contractual
obligations in connection with a procurement procedure or other fund award managed by DEDEAT or any
public entity
They are employed within national, provincial and local spheres of government.
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Financial allocation and obligations
Against the foregoing categories and types of actions to be supported by the DEDEAT LRED Fund, the following
commitments and obligations pertain:
Funding support will be made available, for the project generation or implementation phase of a project and will be
subject to the following:
The grant is capped at a maximum of R500, 000.00 per project for project generation phase.
The grant is capped at a maximum of R3, 000,000.00 per annum per implementation project.
DEDEAT shall not commit funds if the feasibility study is not positive.
The grant will cover all reasonable costs associated with the action, including infrastructure development,
equipment; production input costs, human capacity development and training, as well as running costs.
Project proposals that reflect co-funding and input resources secured will receive favourable consideration,
this not to imply the exclusion of proposals looking towards DEDEAT as predominant funder.
Where applicable, projects ready for implementation must have their land ownership secured, record of
environmental decision issued and valid for at least 6 months after the full application submission deadline,
technical and architectural design by licensed architect and investment costing by quantity surveyor
completed, proper and realistic feasibility study or business plan prepared and up to date, necessary permits
and licences obtained (including business registration and where applicable, VAT Registration), and other
relevant indicators of readiness for implementation.
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LIMPOPO
Limpopo Economic Development Agency (LEDA)
The Limpopo Economic Development Agency (LEDA) is established in terms of the Limpopo Development Corporation
Act, Act No.5 of 1994, as amended. It complies with the Public Finance Management Act (PFMA) as a Schedule 3D
Agency.
It was established as a special economic and development vehicle, culminating in the amalgamation of four agencies;
namely:
Trade and Investment Limpopo
Limpopo Business Support Agency
Limpopo Agribusiness Development Corporation
Limpopo Economic Development Enterprise
Limpopo Department of Economic Development, Environment and Tourism
The mission of the Limpopo Department of Economic Development, Environment and Tourism is to enable a competitive
economy and sustainable environmental and tourism development towards an improved quality of life for all.
The Department's strategic goals are to improve the service delivery to communities and stakeholders through a skilled,
accountable, empowered and integrated Public Service; contribute to the growth of the economy and job creation through
targeted interventions; protect and enhance environmental assets and natural resources; and have Limpopo positioned as
the preferred tourist destination within the South African Development Community (SADC).
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Western Cape
Department of Economic Development and Tourism
Emerging Business Support Programme
Beneficiaries: Emerging Small Medium Enterprises
Project description: Accredited two-day Business Skills Training Course
The Department of Economic Development and Tourism in partnership with ABSA will be rolling out the second phase of
the Emerging Business Development programme starting in March 2017.
The accredited NQF level 4 business skills course, presented by ABSA facilitators will cover:
Business Strategy Development
Operations Strategy Development
Financial Literacy Development.
The programme was rolled out in March 2017 and runs until December 2017.
It is a two-day course that will take place in the Cape Metro, the West Coast, the Cape Winelands, Eden, the Overberg
and Central Karoo.
To participate in the programme, your business:
Should be a registered and operational business
Should be operating within the Western Cape
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Should have a valid BEE certificate.
FREE STATE
Department: Agriculture and Rural Development
The strategic goals of the Department are: increased profitable production of food and fibre products; effective regulatory
services and risk management; transformed and demand-based education, training and development; sustained
management of natural resources; improved, effective and efficient governance and stakeholder relations; and
coordinated creation of vibrant, equitable and sustainable rural communities.
Free State Development Corporation
The Free State Development Corporation is a specialist economic development agency formed to offer the Free State
people and potential investors a wide selection of services. These services include:
SMME support – both financial (through loans) and non-financial support
Property development and management
Providing investors with a comprehensive service in setting up a business
Providing export ready Free State companies with assistance in identifying new markets and export opportunities
for their products.
Free State Development Corporation (FDC)
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The mandate of the Free State Development Corporation (FDC) is to provide financial and business support services
to SMMEs and co-operatives, develop and manage properties, as well as to facilitate and promote investments and
exports and manage properties, as well as to facilitate and promote investments and exports.
MPUMALANGA
Mpumalanga Department of Economic Development and Tourism
The mission of the Mpumalanga Department of Economic Development and Tourism is to drive economic growth that
creates decent employment and promote sustainable development through partnerships.
The Department's strategic goals are to sustain economic development that increases employment, alleviates poverty and
addresses inequality among the citizenry; and flourishing domestic and foreign tourism, and increased inclusivity of all
stakeholders in the sector.
Cooperatives Development and Support
Directorate: Enterprise Development
Service offerings:
Advise and support potential entrepreneurs to establish businesses
Facilitate the establishment of cooperatives
Develop and support SMME's and cooperatives
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Conduct entrepreneur programmes for target groups (youth, women and people with disability)
Assist SMME's and Cooperatives to access funding
Capacitate cooperatives to comply with Cooperatives Legislation and Regulations
Advocate for SMME's to access procurement opportunities within provincial departments
NOTHERN CAPE
The Northern Cape Department of Economic Development and Tourism
The vision of the Northern Cape Department of Economic Development and Tourism is a radically transformed economy
in the Northern Cape.
The Department's mission is to accelerate the economic growth and development of the Northern Cape through
diversification, empowerment, employment, business creation and sustainable development.
The values and principles, as well as the service delivery in the Department is driven by the following principles;
Batho Pele, professionalism, cooperation, integrity, accountability, representation, and the four E’s (effectiveness,
efficiency, economy and excellence).
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48
NAME OF THE INSTITUTION CONTACT PERSON
TELEPHONE CONTACT EMAIL ADDRESS
National Institutions Department of Trade & Industry ( the dti: Agro-processing)
Ncumisa Mcata-Mhlauli 012 394 1557 [email protected]
Department of Trade and Industry (the dti)
Esther Rasogo 012 394 1229 [email protected]
Department of Economic Development (EDD)
Mahomed Vawda
012 394 5606 MVawda@economic .gov.za
Department of Treasury ( Jobs fund)
Lionel Kunene 012 395 6655 012 406 9166
Industrial Development Cooperation ( IDC) Manoj Seonath 011 269 3579 manojs@ idc.co.za
National Empowerment Fund (NEF) Nthatho Makhubo 011 305 8000 [email protected]
Old Mutual : Masisizane Fund Sifiso 011 217 1854
Small Enterprise Development Agency (SEDA) Marius de Villiers 012 441 1219 [email protected]
Small Enterprise Finance Agency (SEFA) Landile Nkungwana 012 748 9600 [email protected]
Land Bank Moraka Makhura 012 6860 961 [email protected]
Department of Agriculture Forestry & Fisheries
Victor Thindisa 012 319 8457 [email protected]
Technology Innovation Agency (TIA)
Sibusiso Manana 012 472 2700 [email protected]
Technology Innovation Agency (TIA)
Obakeng Maema 012 472 2780 [email protected]
Department of Science and Technology (DST)
Maneshree Jugmohan-Naidu
012 843 6470 [email protected]
Department of Small Business M. Rachuene 012 441 1194 [email protected]
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Development
Department of Environmental Affairs
Jenitha Badul 012 399 9272 [email protected]
Gauteng Department of Agriculture Tediso Molepo 011 240 2621 [email protected]
Department of Economic Development
Moholwa Motlatjo 083 269 4371 [email protected]
Gauteng Economic Development Agency ( GEDA)
Mekoe Moira [email protected]
KwaZulu - Natal Department of Economic Development
Fikiswa Pupuma 033 2642 505 [email protected]
Trade & Investment Kwazulu-Natal Menzi Dlamini 031 368 9604
Agribusiness Development Agency (ADA)
Thulasizwe Mkhabela 033 347 8624
Eastern Cape
Department of Rural Development & Land Reform (DRDAR)
Bongikaya Dayimane 040 602 5013 [email protected]
Department of Economic Development, Environmental Affairs and Tourism (DEDEAT)
Akho Skenjana 043 605 7149 [email protected]
Department of Rural Development Land Reform (DRDLR)
Cebo Hermanus 012 312 8911 0800 007 095 043 700 7000
Eastern Cape Development Corporation (ECDC)
Mlamli Nodada 043 704 5714 [email protected]
Eastern Cape Rural Development Agency (ECRDA)
Navy Simukonda 043 703 6305 [email protected]
East London IDZ( ELIDZ) Ntobeko Bacela 043 702 8200 [email protected]
Chris Hani Development Agency (CHDA)
Zolile Duze 045 838 2195 [email protected]
Alfred Nzo Development Agency (ANDA)
Thabiso Ntsalla 071 676 0165 [email protected]
Limpopo
Department of Agriculture (DOA) Vusi Ndlozi 015-294 3000 [email protected]
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Limpopo Economic Development Agency (LEDA) Peter Ngoasheng 015 296 3543 [email protected]
Limpopo Department of Economic Development, Environment and Tourism(LEDA)
Maja Lilly 015 293 8300 [email protected]
Western Cape
Department of Economic Development, Environmental Affairs and Tourism (DEDEAT)
Goodwell Dingaan 021 483 9315
Department of Agriculture Bongiswa Matoti 021 808 5213 [email protected]
WESGRO Liovian Anderson 021 487 8650 [email protected]
Free State
Department of Economic, Small Business Development, Tourism and Environmental Affairs (Destea)
Mpholokeng Mokalobe 051 400 9588 [email protected]
Department of Agriculture
Mmuso Tsoametsi 051 861 8686 [email protected]
Department of Agriculture and Rural Development
Thato Mokoena 051 861 8492 083 572 3538
Free State Agency Elmare Bester 051 411 3820 [email protected]
Mpumalanga
Department of Economic Development and Tourism
Thulani Nhlapo 013 766 4004 [email protected]
Mpumalanga Agency Lebogang Malapane 051 861 8444 [email protected]
Northern Cape Department of Economic Development and Tourism
Edwin Groener 053 830 4849 [email protected]
Department of Agriculture Ward 053 838 9100 [email protected]
Trade & investment promotion Agency (NCEDA)
Tebogo Luse 053 833 1503 tluse@nc eda.co.za
North West Department of Agriculture Mothusi Thebe 018 389 5300 [email protected]
Department of Economic Development and Tourism
Khomotso Kaobelepe 018 387 7763 [email protected]
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