helpful links for smme relief aid

The implications of COVID-19 have been far reaching, and one such area is the economic strain on small businesses. We are aware that many of you may be experiencing lonely and financial stressful situations, and we, Grace Family Church, continue to pray for you and your family during this lockdown period. 

Many of you are already aware of the Coronavirus (COVID-19) debt relief funding available to you, however if you are still looking for relief options we have compiled a list of links that might be helpful to you.  

Please note that you will need to contact the entities below directly. As Grace Family Church, we have no affiliation with the entities and cannot answer questions on the links. We are merely passing on information we hope might be of help.

Debt Relief Fund

The aim of this fund is to provide relief on existing debts and repayments. It is to assist SMMEs during the period of the COVID-19 State of Disaster. SMMEs must demonstrate a direct link between the impact or potential impact of COVID-19 and the business operations. This facility can assist entities in acquiring raw material, paying labour and other operational costs. All these interventions will be structured to match the patterns of the SMMEs cash flows, as well as the extent of the impact suffered. For more information go to

Small Enterprise Finance Agency - Direct Lending Products

These are loans that S.E.F.A. provides directly to small and medium-sized enterprises as well as co-operatives. The assistance ranges from a minimum of R50 000 to a maximum of R15 million. Follow this link to read more or download the S.E.F.A Direct Lending Product Brochure 

SARS Tax relief

SARS has announced new emergency measures to boost companies' cash-flow and prevent job losses due to the coronavirus crisis. Companies can now get R1 500 a month back per worker (who earns less than R6 500) they employ. Provisional taxpayers also only have to pay 65% of their tax liabilities in the current tax year. For more information go to 

TERS (Temporary Employee/Employer Relief Scheme)

If you or any business or organisation you know is considering retrenching staff or putting them on short time now, please read this first (and pass it on) - or you could be missing out on a real opportunity to support and retain your staff. As you may know, C19-TERS is a temporary UIF-based scheme which provides funding for payment to employees during a temporary closure of operations of the organisation due to the Covid-19 pandemic. TERS is intended to allow organisations to survive a break in operations of up to three months without retrenching its employees. For more information go to

TERS UPDATE 23.4.2020: 

  1. Employers who, as a result of the Covid-19 pandemic, close all or part of their operations for a three month (or lesser) period must apply for Covid-19 benefits for and on behalf of affected employees. This is a dramatic change, as there was previously no wording making the TERS application compulsory;
  2. Applications for TERS funding may be made even in cases where the relevant employees have already been asked or agreed to take annual leave during the period of closure of the business or organisation.
    Also, employers who have requested their employees to go on leave:
    “may set off any amount received from the UIF in respect of that employee’s COVID-19 benefit against the amount paid to the employee in respect of annual leave provided that the employee is credited with the proportionate entitlement to paid annual leave in the future”
  3. Employers who may not receive the applied-for COVID-19 benefits in time to pay employees are encouraged to make the payments and then wait to be reimbursed by the UIF:
    “To speed payment of COVID 19 benefits to employees, employers are urged to pay employees based on clause 3.4 of the Directive and reimburse or set off such with COVID-19 benefits claim payments for UIF.”
Please note that the tax treatment of TERS payments should be like UIF: they are not taxable (i.e. PAYE should not be deducted from them), and should be recorded as “TERS/UIF benefits” on the payroll. 

For assistance from ngoLAW with these applications please email

Black Entrepreneurs

The National Empowerment Fund has made R200m available:-

In loans for black entrepreneurs to manufacture and supply a range of medical products, like medical masks, sanitiser, dispensers and related healthcare products ("Priority Products and Services"), to support the healthcare sector during the Coronavirus pandemic. The loans must be to purchase machinery, equipment and raw materials or to fund other working capital requirements needed to manufacture and supply PPS. Black-owned businesses can apply for half a million to R1m in funding. The loans are offered at 0% interest for the first year. Follow this link for more info

Social Relief of Distress
SASSA is offering relief to those in need as part of the Social Relief of Distress (SRD) programme.
With the National State of Disaster as a result of the Covid-19 global pandemic a special COVID-19 Social Relief of Distress (SRD) grant of R350 per month for the next 6 months will be paid to South African citizens, Refugees or permanent residents, who are currently (i) unemployed, (ii) do not receive any form of social grant or (iii) UIF payment.
To apply: CLICK HERE to email or Whatsapp HERE.
You will need the following documents:
  • Cellphone number of the applicant
  • ID Number
  • Address Details

Giving for Hope Foundation
Assisting local Small, Medium and Micro Enterprises (SMMEs).

The Foundation has R100 million and hopes to raise another R 400m.  The Foundation will provide SMMEs interest-free loans for two years, with repayments commencing after the first year, in 12 monthly instalments. Follow this link for more info

The South African Future Trust

Set up by the Oppenheimer family. For more information go to

Free downloadable letters 

Free downloadable letters that you can download to send to your landlord, SARS etc. go to

Emergency helplines

The following helplines were published by the South African Government:

Coronavirus Hotline 0800 029 999

Child line 0800 055 555

Gender Based Violence Command Centre 0800 428 428 or *120*7867# from any cell phone

Gender Based Violence & Femicide – related service complaints (SAPS) 0800 333 177

National Aids Helpline 0800 012 322

National Human Trafficking Helpline 0800 222 777

Persons with disabilities – SMS “help” to 31531

SAPS Crime Stop 0860 10111

SAPS SMS Crime Line 32211

Suicide Helpline 0800 567 567

Women Abuse Helpline 0800 150 150


National Department of Health

World Health Organization (WHO) 

South African Depression and Anxiety Group ( SADAG )

For supportive resources in KZN during COVID-19 lockdown click here .  

Free telephonic consultation 

Worried about Covid-19? Before you go to a clinic or a hospital talk to a doctor for FREE 24/7. Dial *120*394# 

Self diagnosis

Click here for a free link to a self diagnosing set of questions.  

National Coronavirus Information Portal

Click here for a free link to South Africa’s official Coronavirus (COVID-19) online news and information portal which allows all South Africans to discover the latest information, resources and statistics on COVID-19.