Khula Enterprise Finance Ltd (Khula) was established in 1996 as an independent agency of the Department of Trade and Industry. As the flagship development finance institution focusing on small businesses, Khula has for more than 10 years operated as a financial facilitator for the development of the rapidly growing Small and Medium Enterprise (SME) sector of the South African economy.

The Company is a wholesale finance institution that has well-developed ties in the public and private sectors. Through these channels - which include commercial banks, retail financial institutions, specialist funds and joint ventures - the Company plays an effective role as a complementary financial institution, bridging finance gaps that are not addressed by commercial financial institutions in small business sector.

Khula has reinforced its reputation as a primary force in the growth of the SME sector. It has achieved this by adapting to prevailing market forces within the sector and changing its approach to meet the demands of what has become an increasingly valuable sector in the development and growth of the South African economy.

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