KOSGEB Support

Eligibility requirements

• The business must be registered in the KOSGEB Database, be active and have an up-to-date Business Declaration (for all supports).
• For Business Establishment Support: be a business aged 0-1 operating in sectors supported by KOSGEB.
• For Business Development Support: be a business aged 0-3 operating, by NACE code, in C-Manufacturing, 61-Telecommunications, 62-Computer programming, consultancy and related activities, 63-Information infrastructure, data processing, hosting and other information service activities, or 72-Scientific research and development activities (if the business holds a Techno-Venture Badge, the age requirement is not applied for business development support).
• For Business Development Interest/Profit Share Support: the business development support jury score must be 50 or above, and the entrepreneur must be a woman or young person (KOSGEB's table footnote states that "women or young entrepreneurs can benefit").
• Businesses established on or after 16.12.2024 may, provided they meet the other conditions, apply for business establishment support until 31.12.2026 without the requirement to "apply within 1 year of the establishment date".

Type and scope of support

Term

• Business Development Support is provided as repayable support; repayments begin 12 months after the 24-month program period is completed, and no interest/commission is applied (KOSGEB announcement, 12 October 2026).

Application period and call

• Applications for Business Establishment Support are accepted continuously.
• Business Development Support is call-based: applications for the 3rd period of 2026 are accepted between 12-31 October 2026 (KOSGEB announcement).
• Application forms are completed through e-Devlet.
• Business Development Support applications are evaluated by boards formed by sector; the top 1000 highest-scoring projects nationwide and the top 6 highest-scoring projects in each province are invited to the jury evaluation. Based on the average of jury and board scores, the top 500 projects nationwide and the top 3 projects in each province qualify for support.

Important notes

• Business Development Support and Business Development Interest/Profit Share Support cannot be used at the same time.
• Women or young entrepreneurs who qualify for Business Development Support may, if they request it, use Interest/Profit Share Support instead of this support; women or young entrepreneurs with a jury score of 50 or above who do not make the ranking can also benefit from Interest/Profit Share Support.
• For Performance Expenses Support, sales in the relevant period must be at least one gross minimum wage, and the total SGK premium days of employees insured under a service contract (4A) must be 90 or more.

Eligibility requirements

• Be a business operating, by NACE code, in C-Manufacturing, 61-Telecommunications, 62-Computer programming, consultancy and related activities, 63-Information infrastructure, data processing, hosting and other information service activities, or 72-Scientific research and development activities.
• Be registered in the KOSGEB Database, be active and have an up-to-date Business Declaration.
• Be a small or medium-sized business by business class.
• Be a natural or legal person as defined in the Turkish Commercial Code.
• Be a fast-growing business. The fast-growth requirement is not applied to businesses holding a Techno-Venture Badge or cooperating in sectors designated for supplier development; for the cooperation requirement, the business must be among those reported to KOSGEB under a protocol signed between KOSGEB and the stakeholder.

Type and scope of support

Term

• Project duration 24 months, maximum loan maturity 36 months.

Application period and call

• Applications are accepted in periods, and each period is announced on KOSGEB's official website. The latest period (3rd period of 2026) ran between 22 August and 15 September 2026 (KOSGEB announcement).

Important notes

• (*) The 30,000,000 TL upper limit applies to businesses reported by stakeholders with which cooperation is carried out in defense, aviation and space for supplier development.
• If these businesses submit a project in the defense field, they must hold an EYDEP certificate valid on the date the program application is first approved. The loan upper limit is 25,000,000 TL for EYDEP-C, 27,500,000 TL for EYDEP-B and 30,000,000 TL for EYDEP-A; certificate level changes after the approval date are not taken into account.
• Financial institutions party to the protocol: T.C. Ziraat Bankası A.Ş., Türkiye Halk Bankası A.Ş., Türkiye Vakıflar Bankası T.A.O., Ziraat Katılım Bankası A.Ş.
• Businesses are also offered guarantee facilities through Kredi Garanti Fonu A.Ş. (KGF) (KOSGEB announcement).

Eligibility requirements

• Be registered in the KOSGEB Database, be active and have an up-to-date Business Declaration.
• Operate as a natural or legal person as defined in the Turkish Commercial Code.
• In addition, the business must meet any one of the following criteria:
• – Among fast-growing businesses, be a business operating at a medium-high and high technology level that has increased its exports each year over the previous year in the last three years.
• – Among fast-growing businesses, be a business that has increased both its exports and its R&D expenditure each year over the previous year in the last three years.
• – Be a medium-sized business operating at a high technology level and engaged in activities related to products on the priority products list set by the Ministry of Industry and Technology by communiqué under the Technology-Focused Industry Move Program.
• – Be a business included in the Turcorn 100 Program.

Type and scope of support

Term

• The project duration is 24 months, made up of 3-month periods; the maturity of each loan to be used is at most 36 months.
• The first loan drawdown must be made within 9 months of the project start date.

Application period and call

• Project proposal calls take effect with the approval of the Presidency and are announced on KOSGEB's official website.
• The latest application period (1st period of 2026) ran between 7-30 September 2026; the new period will be announced on KOSGEB's official website (KOSGEB announcement).
• Businesses whose applications are rejected may apply to the program again.

Important notes

• The fast-growing business requirement is checked automatically by the system when applying through the SME Information System (KBS).
• Loan applications can only be made to banks that have signed a protocol with KOSGEB; within the project, loan financing can be obtained from a single financial institution (a single contract, or separate financing by expense type or for each expense can be used).
• Installments are set as equal payments for 3-month periods; projects are monitored in 3-month periods; the payment request is made through the system after it is determined that there is no significant obstacle in the monitoring form and the installment in the loan repayment schedule has been paid to the financial institution.
• Financial institutions party to the protocol: T.C. Ziraat Bankası A.Ş., Türkiye Halk Bankası A.Ş., Türkiye Vakıflar Bankası T.A.O., Ziraat Katılım Bankası A.Ş. Businesses can also benefit from Kredi Garanti Fonu (KGF) guarantees.

Eligibility requirements

• Operate in the C-Manufacturing sector by NACE code.
• Be registered in the KOSGEB Database, be active and have an up-to-date Business Declaration.
• Be a small or medium-sized business by business class (micro-scale businesses cannot benefit from this program).
• Have received digital transformation consulting from consultants certified/authorized by TÜSSİDE, the MESS Technology Center (MEXT) and the İHKİB Digital Transformation Center, and hold an approved digital transformation/maturity assessment report (TÜSSİDE - DDX Digital Transformation Assessment Report Format, or MEXT/İHKİB - SIRI Digital Maturity Assessment Report Format).
• The "Total Equity" of the last fiscal year must be positive, and at least one of the "Operating Profit" figures of the last 3 fiscal years must be positive.

Type and scope of support

Term

• The program duration is 24 months; the business must complete its loan drawdown processes within this period.
• If the bank finds it suitable, a grace period of up to 6 months may be applied, not exceeding 36 months.

Application period and call

• 1. The business obtains a digital transformation/maturity assessment report from an authorized consultant.
• 2. In line with the strategies in the report, the "SME Digital Transformation Support Program Application Form" is completed through the SME Information System.
• 3. The application is checked by the responsible KOSGEB staff and submitted to the Board formed by KOSGEB; the Board decides to accept, reject or request corrections.
• 4. A business whose application is found suitable submits its loan application to the banks with which a protocol has been signed.
• Businesses rejected by the Board may apply again.

Important notes

• KOSGEB provides non-repayable support for the interest expenses of the loan to be used from the banks with which it has signed a protocol.
• Financial institutions party to the protocol: Türk Ekonomi Bankası A.Ş. (TEB), Türkiye İş Bankası A.Ş., Yapı ve Kredi Bankası A.Ş.
• For the interest support payment, the business makes the purchase approved by the Board, pays the loan installment that has fallen due and completes the "Payment Request Form" in the system; KOSGEB staff inspect the machinery/equipment on site and draw up a "Determination Report", and after approval the calculated interest support is paid.
• Supported machinery, equipment, software and hardware cannot be sold, leased or transferred until 1 year after the end date of the final loan maturity.
• Businesses operating in sectors on the "Table of Ineligible Sectors and Activities" set by the institution providing the loan funding (EBRD), and businesses outside NACE Section C-Manufacturing, cannot apply.

Eligibility requirements

• Be an SME with the status of a natural or legal person as defined in the Turkish Commercial Code.
• Be registered in the KOSGEB system, with an up-to-date business declaration and active status.
• Hold a valid Techno-Venture Badge as of the application date.
• Have a GO Digital Wallet account.

Type and scope of support

Term

• The total maturity of the loan is 24 months, and the first 12 months from the loan start date are a grace period.
• Repayments are made in 4 equal installments at four-month intervals, starting on the first business day after the 12-month grace period ends.

Application period and call

• Applications are made electronically through the KOSGEB information system (www.kosgeb.gov.tr and/or e-Devlet) by completing the Artificial Intelligence Loan Application; eligibility conditions are checked automatically by the system.

Important notes

• Regardless of the free service usage limit, businesses are assigned a loan limit of up to 500,000 TL against a firm letter of guarantee. If there is an approved free service usage limit, an additional loan limit of this amount may be assigned against collateral on top of that limit; the total amount cannot exceed 5,000,000 TL per business.
• For the loan to be transferred to the GO Digital Wallet account as a blocked amount, a Firm Letter of Guarantee must be obtained from the bank. The letter must be addressed to "GO Dijital Teknoloji Hizmetleri Anonim Şirketi", must contain the phrase "GO Dijital Yapay Zeka Kredisi", must be open-ended or cover 6 months beyond the final repayment date (if not possible, a term of at least 1 year), and must include a clause stating that no risk offsetting or release will be made without the company's written consent.
• After obtaining the service, the business uploads the invoice to the GO Digital Wallet account; the expense amount found eligible under the loan, excluding VAT, is released from the blocked amount.

Eligibility requirements

• The TEKMER operator and the TGB management company can benefit from the program; Establishment Support, Performance Support and Acceleration Support are provided.
• The beneficiary must have the status of a joint stock company as defined in the Turkish Commercial Code, be registered in the system and be active.
• For a TEKMER operator, a TEKMER Name Usage Right Agreement must have been signed; the beneficiary must have approved the letter of undertaking.
• A TEKMER founder may be a university, a TGB management company, a TTO, an OSB management, public institutions/organizations, the Union of Chambers and Commodity Exchanges of Türkiye and its affiliated chambers and commodity exchanges, the Turkish Exporters Assembly and its affiliated exporters' associations, R&D centers/institutes, foundations, cooperatives, associations and unions operating in relevant fields, individual participation investors and companies with legal entity status; founders may apply individually or jointly.
• Founders other than a university or a TGB management company must apply in cooperation with at least one university and/or TGB management company.

Type and scope of support

Term

• Establishment Support for up to 3 years; Performance Support for up to 7 years (first period 4 years, second period 3 years); Acceleration Support for 10 years (call-based application).
• Establishment Support must have been received for Performance Support; the application must be made no later than 3 months before the 3 years of Establishment Support are completed.

Application period and call

• Acceleration Support is call-based. The call in effect on the page: 2026-01 COP31 Acceleration Call (the announcement text, guide and flowchart are on the KOSGEB page).
• Businesses cannot apply to the call directly; applications are made by TEKMER operators or by TGB management companies that own an incubation center (Entrepreneurship Office). A beneficiary can make only one application in the same call.

Important notes

• The annual support upper limit is updated at the beginning of each calendar year at the rate of (CPI + Domestic PPI)/2 relative to the previous year and published on KOSGEB's website; it was 5,000,000 TL for 2025.
• Conditions specific to the COP31 call: the support upper limit for the call is 6,506,000 TL; the program may last 4-14 weeks and must be completed within 6 months of the start at the latest; it must be held domestically, in person or in hybrid format; applications must be made with at least 10 businesses; products must have a Technology Readiness Level of at least 6; cooperation with at least one fund, angel investor network or potential customer and opening a stand within COP31 are mandatory.
• Acceleration Support is repayable: repayments are made in 4 equal installments at 3-month intervals, with a 36-month grace period from the date of the Board decision on the completion of the program.

Eligibility requirements

• Model factories, centers under the Competitive Sectors Program and businesses that contribute to the development of the sector can benefit from the program.
• The applicant must be registered and active in the KOSGEB Database, the application must be found suitable by the jury, the acceptance agreement must be signed by KOSGEB and the applicant/operating organization and entered into the document records, and the letter of undertaking must be approved.
• For model factories: as of the application date, have signed the "Cooperation Protocol on the Establishment and Operation of a Competence and Digital Transformation Center (Model Factory)" with the Ministry or have been granted model factory status by the Ministry, and be a joint stock company.
• For centers under the Competitive Sectors Program: as of the application date, be an executing structure with Ministry approval, and be a joint stock company.
• For businesses contributing to the development of the sector: be a joint stock company, have NACE Rev. 2 Section-M 70.22.02 (or Rev. 2.1 Section-N 70.20.01) "Business and other management consultancy activities" among the activity codes, and employ at least 10 people qualified to provide consulting to SMEs (for those whose capital is mostly owned by public institutions and organizations, universities, professional organizations with public institution status, or foundations or companies established by them).
• For those whose capital structure is not as above: be a joint stock company, operate in at least 5 of the NUTS Level-1 regions, have the same activity codes and employ at least 30 people of the same qualification.

Type and scope of support

Term

• The support period is 10 years.

Application period and call

• The support program is open to applications continuously; application processes are carried out online through the e-services menu on KOSGEB's website.
• Applications are first taken into preliminary assessment by KOSGEB staff; those meeting the conditions are subject to final evaluation by juries formed by the Ministry of Industry and Technology and KOSGEB.

Important notes

• The annual support upper limit is updated at the beginning of each calendar year at the rate of (CPI + Domestic PPI)/2 relative to the previous year and published on KOSGEB's website.
• Beneficiaries (operating organizations) submit their activities and the number of SMEs they serve to KOSGEB electronically every 3 months, together with expense documents; the support payment is made according to the success rate calculated after each report.

Eligibility requirements

• TEKMER operators can benefit from KOSGEB's Technology Center Support Program (be a joint stock company, registered in the system and active; have signed the TEKMER Name Usage Right Agreement).
• Businesses cannot apply to Acceleration calls directly; applications are made by TEKMER operators or TGB management companies. Businesses are not required to operate within a TEKMER/TGB (KOSGEB's statement for the COP31 call).

Type and scope of support

Important notes

• KOSGEB's TEKMERs page lists TEKMERs by province: İstanbul, Ankara, İzmir, Bitlis, Tekirdağ, Antalya, Yalova, Şırnak, Bursa, Kilis and Eskişehir. Each province page shows the TEKMER's name, address, phone and website.
• The İstanbul page lists 22 TEKMERs (page update date: 23 July 2026).
• For the conditions and limits of the support types, see the Technology Center Support Program card.

Application period and call

• Access to the training is through KOSGEB's distance learning platform (LMS): lms.kosgeb.gov.tr

Important notes

• Entrepreneurship training in the KOSGEB distance learning system is a training program organized to increase the success level of businesses that entrepreneurs wanting to start their own business will establish on the basis of a business model.
• Featured trainings: Traditional Entrepreneurship Training (aimed at entrepreneurs gaining knowledge about starting and running a business) and Advanced Entrepreneurship Training (related to innovative, medium-high/high technology level sectors).
• The trainings are delivered in a virtual environment, independent of time and place. Content includes: e-books, interactive videos, interactive e-learning content, practice exams and live classes.
• When the trainings are completed, an electronic certificate issued in your name can be obtained. For problems and suggestions about the system, the technical team can be contacted.