Investment & Incentive Advisory
Subsidized Financing & Credit Programs
From the Credit Guarantee Fund's loan guarantees to Türk Eximbank's export credit lines and public-bank SME packages — mechanisms that help companies without sufficient collateral access bank financing.
Program / institution
~1.57 million enterprises
Enterprises reached by KGF since inception
~1.2 trillion TRY
KGF total credit volume
Who benefits
- KGF: SMEs lacking sufficient collateral, and some packages for larger firms
- TOBB Nefes Kredisi: active membership in a TOBB-affiliated chamber or exchange
- Türk Eximbank: exporters and export-oriented manufacturers
What it covers
- Bank credit without a collateral problem through KGF guarantees (up to 100 million TRY for SMEs, 350 million TRY for larger firms)
- Long-term investment and working-capital loans through TKYB
- Türk Eximbank's short, medium and long-term export credit lines
- Periodic SME credit packages with an interest-free initial period, such as the TOBB Nefes Kredisi
Application process
Application through a partner commercial bank branch, which requests the KGF guarantee
TOBB Nefes Kredisi requires active chamber/exchange membership
Türk Eximbank credits require documentation of export performance or commitment
The program in numbers
~1.57 million enterprises
Enterprises reached by KGF since inception
Source: KGF verileri (Anadolu Ajansı aktarımı) · 31 Aralık 2025
~1.2 trillion TRY
KGF total credit volume
Source: KGF verileri (Anadolu Ajansı aktarımı) · 31 Aralık 2025
KGF figures are cumulative totals since inception. Türk Eximbank's announced $59 billion volume for 2026 is a target, not yet a realized figure.
Frequently asked questions
Can we still get a loan if our collateral is insufficient?
The KGF guarantee is designed precisely to solve this problem; we help you manage the bank's guarantee request on your behalf.
Find out if you qualify for this program
We'll assess your organization's scale and project scope and build the eligibility analysis together.