How to apply for a KOSGEB financial loan?

How to apply for a KOSGEB financial loan? How to apply for the KOSGEB and who can benefit? This article provides tips on how to pay attention to loan processes for SMEs that want to grow rapidly.

The world of entrepreneurship is expanding with new business ideas. As businesses prepare to change the world with ideas that change the world for the better, they are looking for funding and cash loans to grow faster.

How to apply for a KOSGEB financial loan?

How to apply for a KOSGEB financial loan?

KOSGEB offers the SME Financial Support Program, which enables start-ups to obtain low-interest loans from banks. Under this program, SMEs can obtain loans for business development, loans for machinery and equipment, and emergency loans.

To apply for an SME loan:

  1. Register in the database by entering your TIN/CPP and start date in the e-services section of the KOSGEB website.
  2. After entering all the information, complete the SME Statement to determine if your company falls into the SME category.
  3. Apply to banks included in the loan protocol within the specified limit.
  4. You may qualify for a subsidiary loan after the bank has reviewed and approved your application.

What business sectors does KOSGEB Support support?

KOSGEB Support is crucial for business creation. Of course, to take advantage of favorable loan opportunities, you need to provide services in the areas supported by the program. What are the jobs supported by KOSGEB?

The main areas supported by the KOSGEB are as follows:

  • Mining and quarrying,
  • Manufacturing,
  • Production and distribution of electricity, gas, steam and air conditioning,
  • Water supply, sewerage, waste management and reclamation activities,
  • Construction,
  • Wholesale and retail trade,
  • Transportation and storage,
  • Accommodation and food services,
  • Information and communication,
  • Financial and insurance activities,
  • Professional, scientific and technical activities,
  • Administrative and support service activities,
  • Education,
  • Culture, arts, entertainment, recreation and sports,
  • Other service activities.

If you provide services in any of these sectors, your company must be considered an SME or start-up to be eligible for KOSGEB loan opportunities.

KOSGEB application process

Now you know the basic requirements for applying for credit support. Then you can look for an answer to the question of how to get a KOSGEB loan. Because there are many complexities to consider, from the beginning of the application process to the evaluation process for new companies.

If you are wondering how to get support from KOSGEB for a new business idea, you can follow the following steps. Training on entrepreneurship, business creation and KOSGEB application.

  1. First check whether your business falls within the supported industries. A detailed list of industries is available on the KOSGEB website.
  2. Enterprise credit support is available for operating companies established with KOSGEB support. You must complete one of the traditional or advanced entrepreneurship training programs, depending on the type of business you intend to start.
  3. Once you have registered your company, you can enroll in the KOSGEB database and apply for the New Entrepreneur Program; however, you must have established your company at least one year prior to the application date.

Evaluation of KOSGEB Applications

- Applications from traditional entrepreneurs are reviewed by the KOSGEB board; applications from advanced entrepreneurs, on the other hand, are reviewed by a committee after a preliminary evaluation.


Finally, the entrepreneur's competence in running the business, the applicability of the proposed business model, and the suitability of the machinery, equipment, and software required for the business activities are taken into account when evaluating the application.

In addition, the need for the supporting elements required by the business model, their cost, and the adequacy of the resources to be provided by the business are also part of the evaluation criteria.

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