Loess slopes are prone to rapid infiltration, surface erosion, and shallow instability under intense rainfall, highlighting the need for eco-friendly shallow protection methods with enhanced anti-seepage and erosion resistance. To improve the applicability of microbially induced calcite precipitation (MICP) in loess slope protection, this study proposes a combined MICP–sesbania gum (SG) modification method. Permeability tests, surface hardness tests, and indoor artificial rainfall model tests were conducted to systematically evaluate its effects on seepage control and the erosion resistance of loess slopes. The results show that calcium chloride provides a stronger permeability-reducing effect than calcium acetate. Compared with the MICP-only treatment, the combined MICP-SG treatment significantly reduces the permeability coefficient and increases surface hardness. Based on the overall modification performance, a cementation solution concentration of 1.0 mol/L and a curing time of 7 d were selected as suitable treatment parameters. Rainfall model tests further demonstrate that the combined treatment delays erosion failure, reduces infiltration rate and soil loss, and suppresses wetting front migration and internal water content response. These findings indicate that MICP combined with SG can effectively improve the anti-seepage, erosion resistance and surface stability of shallow loess slopes, providing experimental support for eco-friendly shallow slope protection in loess regions.