Articles / Funding

Funding for South African businesses

Grants, loans, incentives and competitions from government, development financiers, foundations and corporates. Amounts and eligibility as published by the funder; every card links to the funder's own application page. 34 programmes listed.

  • Blended

    Tourism Transformation Fund: 50% grant, 50% loan up to R5 million

    National Empowerment Fund with the Department of Tourism

    Up to R5 million: half grant, half loan at concessionary rates

    Blended funding for black-owned tourism businesses buying, building or expanding guesthouses, lodges, tour operations and attractions.

    Tourism & hospitalityBlack-ownedSmall businessesRolling applications
  • Loan

    IDC funding for industrial and growth businesses (from R1 million)

    Industrial Development Corporation (IDC)

    From R1 million; loans, equity and quasi-equity

    South Africa's largest development financier: loans, equity and blended products for projects that build industrial capacity, with flexible repayment and moratoriums.

    Small businessesManufacturersBlack-ownedRolling applications
  • Grant

    TIA Seed Fund for early-stage technology

    Technology Innovation Agency (TIA)

    Up to about R650 000 per project in recent calls

    Small grants to turn research and early ideas into prototypes and fundable technology ventures, channelled through universities, science councils and incubators.

    Tech & innovationStart-upsStudents & graduatesRolling applications
  • Grant

    TIA Technology Development Fund (prototype to pilot)

    Technology Innovation Agency (TIA)

    Project-based; larger than seed funding, sized to the development plan

    Funding for prototype development, demonstration and pilot plants, certification and techno-economic studies for technologies at readiness levels 4 to 7.

    Tech & innovationSmall businessesStart-upsRolling applications
  • Grant

    TIA Grassroots Innovation Programme (up to R200 000)

    Technology Innovation Agency (TIA)

    Up to R200 000 for development plus R60 000 project support per 12 months

    Support for inventors without formal research backing: IP protection, prototype building, business-model coaching and start-up capital.

    Tech & innovationTownship & ruralYouth (18–35)Rolling applications
  • Competition / award

    SAB Foundation Social Innovation and Disability Empowerment Awards

    SAB Foundation

    Prizes up to R1.3 million, plus development funding for finalists

    Annual awards with cash prizes for innovations that solve social problems and for businesses that empower people with disabilities.

    NGOs & social enterprisesStart-upsPeople with disabilitiesRolling applications
  • Grant

    Tony Elumelu Foundation Entrepreneurship Programme ($5 000 seed grant)

    Tony Elumelu Foundation

    US$5 000 non-refundable seed capital plus 12 weeks of training and mentoring

    Africa's largest entrepreneurship programme: seed capital, training and a mentor for early-stage founders across all 54 countries, including South Africa.

    Start-upsYouth (18–35)Women-ownedRolling applications
  • Blended

    Land Bank blended finance for black farmers

    Land Bank with the Department of Agriculture, Land Reform and Rural Development

    Grant portion plus loan; the grant share is higher for smaller producers

    A grant-and-loan package for black producers to buy land, equipment, livestock and inputs, replacing part of the debt with a government grant.

    Farmers & agriBlack-ownedTownship & ruralRolling applications
  • LoanGauteng

    Gauteng Enterprise Propeller (GEP) loans and business support

    Gauteng Enterprise Propeller

    Micro loans to growth finance; non-financial support at no cost

    The Gauteng provincial agency for SMMEs and co-ops: loans, contract finance, and free business development support for businesses in the province.

    Small businessesTownship & ruralYouth (18–35)Rolling applications

Grants are rare, loans are not

Most "government funding" is a loan or a cost-sharing incentive. True grants (NYDA, BBSDP, TIA seed, foundations) are competitive and paid to suppliers, not to you.

Get the paperwork first

CIPC registration, a SARS tax compliance pin, a business bank account, six months of statements and three quotations per item. Incomplete packs are the main reason for rejection.

Never pay to apply

No funder on this page charges an application fee. Anyone asking for a "processing fee" for NYDA, SEDFA or dtic money is a scam. Read our 2026 funding guide.