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ENTREPRENEURIAL LOAN: APPLICATION PROCEDURES AND TYPES

What is an Entrepreneur Loan?

An entrepreneur loan is a special financing support provided to individuals and institutions aiming to step into commercial life or wanting to expand and develop their existing business. At the company establishment stages where the need for resources peaks; it enables the coverage of critical expenses such as office and equipment procurement, production start-up costs, software expenses, and daily working capital.

Financing packages developed for this purpose are generally offered in cooperation with public banks and state institutions like KOSGEB. In most types of entrepreneur loans, since a significant part (or all) of the interest expenses are supported by the state, repayment conditions are much more easy and accessible compared to standard loans. Especially KOSGEB-supported entrepreneur loans greatly contribute to fresh businesses safely getting through the "early stage" and gaining competitive power in the market in the long run.

What are the Types of Entrepreneur Loans?

Every entrepreneur's journey and needs are unique. Therefore, the loan and grant supports offered also differ according to the sector, scale of the projects, and the profile of the founder. The expectations of small-scale projects at the establishment stage and businesses entering the growth process naturally differ from each other. The main loan options offered specifically to entrepreneurs, including different payment structures and collateral conditions, are as follows:

1. Start-up Loan

   These are financing opportunities offered by public institutions and banks to cover basic establishment expenses such as rent, fixtures, renovation, office equipment, and initial goods purchases encountered during a workplace opening. Young entrepreneur loans and business establishment supports are among the most commonly applied resources in this field. Entrepreneurs whose business plan is approved by KOSGEB are given grant and machinery-equipment supports to cover company opening expenses. Tradesmen and Craftsmen Credit and Bail Cooperatives (TESKOMB) offer supports up to 2,500,000 TL to tradesmen planning to open a workplace. Moreover, very serious interest advantages are obtained in these financings thanks to state subsidies.

2. Young Entrepreneur Loan

   These are loans designed to enable young entrepreneurs to overcome the financial barriers they face while stepping into business life. In this context, the age range, educational status, and innovative business model of the entrepreneur are decisive. Offered to individuals in the 18–29 age range, these supports encourage youth to sustainable entrepreneurship with zero or low interest rates, tax exemptions, and flexible repayment plans.

   As of 2026, KOSGEB "Traditional Entrepreneur Support Program" grant opportunities (for under 30 years old):

   • Establishment Support: 5,000 TL for real person enterprises, and 10,000 TL for capital companies.
   • Performance Support (According to SSI Premium): 5,000 TL for 180-539 days, 10,000 TL for 540-1,079 days, and 20,000 TL for 1,080 and more premium days.
   • Certificate Support: An additional 5,000 TL after KOSGEB-approved applied entrepreneurship training.
   
   

   Furthermore, KOSGEB's Business Development Support comes into play for companies preparing to scale. In this package, a reimbursable (interest-free) financing up to 1,500,000 TL is provided with an 80% support rate. On the bank side, Halkbank offers a Young Entrepreneur Loan up to 500,000 TL with a 60-month maturity to young people who have graduated from university faculties or vocational schools and want to start their own business without requiring work experience.

3. Women Entrepreneur Loan

   These are special loan supports provided by banks and state institutions to strengthen the presence of women in business life. For example, Halkbank offers loans up to 350,000 TL for women who have not completed their first 6 months in their professional activities, and up to 500,000 TL for those who want to expand their business. In KOSGEB support packages, an additional 10,000 TL grant is defined for women entrepreneurs in addition to standard establishment supports; under the Business Development Support, the figures reach a limit of 1,500,000 TL.

4. Techno Entrepreneur Loan

   These are special loans provided for technology-based projects (software, hardware, R&D, mobile applications, e-commerce) with the potential to produce high added value. While technological software and e-commerce infrastructures are supported with the KOSGEB Advanced Entrepreneur Support Program; TÜBİTAK or technopark-approved companies are offered large funds ranging from 750,000 TL to 10,000,000 TL (SME Techno-Investment) as both grants and reimbursable funds.

5. Tradesmen and Master Entrepreneur Loan

   Young tradesmen under the age of 35 registered in the tradesmen registry can access interest-free loan opportunities up to 300,000 TL with a TESKOMB guarantee. Individuals who have a professional competence and mastery certificate, at least 3 years of experience in their field, and have not exceeded the age of 45 can open their own workshops or shops by benefiting from completely interest-free financing opportunities with an upper limit of 400,000 TL within the scope of the "Master Entrepreneur Loan".

Which Banks Provide Entrepreneur Loans?

The main banks supporting entrepreneurs in Turkey are:

• Halkbank: It has a long-term loan portfolio with grace periods specifically for a wide variety of sub-segments such as youth, women, tech, master craftsmen, and tradesmen (in the 350,000 TL - 600,000 TL range).
• Ziraat Bankası: Offers subsidized interest rates up to 3,000,000 TL for Young/Women Farmer loans focused on agriculture, greenhouse farming, livestock, and rural development.
• Türkiye İş Bankası: Provides unsecured and zero-interest loans up to 100,000 TL through the Women's Power in Enterprise project.
• TEB (Türk Ekonomi Bankası), Garanti BBVA, Yapı Kredi and QNB: They offer both mentorship and acceleration programs, as well as low-cost, high-limit financing support, especially for technology startups, e-exporting SMEs, and women entrepreneurs.

How to Apply for an Entrepreneur Loan? (Step-by-Step Process)

It is crucial to follow these steps for your application to be finalized quickly and positively:

1. Determine the Loan Type that Suits Your Needs: Choose the most appropriate loan for your company's stage (establishment vs. growth) and your sector.
2. Compare the Institutions: Carefully analyze the interest rates, maturity periods, grace periods, and required collateral applied by the banks. Create a payment plan that will not disrupt your cash flow.
3. Prepare Your Business and Financial Plan: Create a solid Business Plan for KOSGEB and banks that clearly explains your product/service structure, market analysis, and income-expense projections.
4. Complete Training and Certifications: Successfully complete the KOSGEB Applied Entrepreneurship Training (online) and get your certificate, especially for public grants.
5. Submit the Documents and Follow Up: Upload your tax plate, ID, income documents, and business plan completely to the relevant branch or SME Information System portal and regularly track the status of the process.

Summary Information Card

• Entrepreneur loans are offered to new businesses and SMEs through public banks or KOSGEB with low-interest/grant options.
• Special packages of up to 1,500,000 TL with a grace period are available for women, young, and tech entrepreneurs.
• To speed up the approval process, completing KOSGEB training and preparing a complete and consistent business plan are essential.

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Mesut SENEL | IfasTurk CEO

Independent Accountant Financial Advisor