TOBB SME Relief Loan Program
TOBB Breath Loan Program – New Application Period Begins on October 2, 2025
Applications for the new term of the TOBB Breath Loan, which provides financing to SMEs under favorable conditions, will begin on October 2, 2025.
The loan, to be offered in cooperation with TOBB, the Credit Guarantee Fund (KGF), and participating banks, will carry an interest rate of 33% for maturities up to 24 months, and 32% for maturities longer than 24 months.
The loan will feature a 6-month principal grace period and a maximum maturity of 36 months.
Each firm will be able to use up to 1.5 million TRY, and the total loan volume will reach 25 billion TRY.
Created to support SMEs through the collaboration of the Union of Chambers and Commodity Exchanges of Türkiye (TOBB), the Credit Guarantee Fund (KGF), and banks, the Breath Loan Program will launch its new term on October 2, 2025.
All enterprises that are members of chambers and commodity exchanges affiliated with TOBB will be eligible to apply for financing under favorable conditions.
Applications for the TOBB Breath Loan may be submitted to the branches of:
Halkbank, Vakıfbank, Ziraat Bankası, Denizbank, Garanti Bankası, Akbank, and Ziraat Katılım.
Each firm may receive a maximum loan of 1.5 million TRY. Loans will have up to 36 months maturity, including a 6-month principal repayment grace period.
Interest rates will be 33% for maturities up to 24 months and 32% for maturities over 24 months.
The total loan pool will be 25 billion TRY.
In July of this year, the TOBB Breath Loan provided 30 billion TRY of support to 23,515 firms.
Access to Finance Problem
TOBB President Rifat Hisarcıklıoğlu stated that the biggest challenge SMEs face is access to finance:
“Currently, the most significant problem our members encounter in the field is access to financing. The growth limits applied to SME loans make it difficult to obtain credit. In such a period, we have created a resource that will truly serve as a ‘breath’ to protect the cash flow of our SMEs. Our aim is to stand by our SMEs during difficult times and keep the wheels turning.
In this context, TOBB, the Credit Guarantee Fund, and the banks have joined forces. We are launching the new TOBB Breath Loan as of October 2. All companies that are members of TOBB-affiliated chambers and exchanges may apply.
I would like to thank Credit Guarantee Fund Chairman Erdoğan Özegen and the executives of all participating banks for their support and contributions.”
TOBB BREATH LOAN
WHO CAN APPLY?
Enterprises that are members of TOBB-affiliated chambers and commodity exchanges.
WHEN DOES IT START?
Applications begin on October 2, 2025.
LOAN LIMIT
Each firm may use up to 1.5 million TRY.
The total loan volume will be 25 billion TRY.
REPAYMENT TERMS
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Up to 36 months maturity
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6-month principal grace period
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33% interest for up to 24 months
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32% interest for over 24 months
PARTICIPATING BANKS
Applications can be submitted to the following banks:
Halkbank, Vakıfbank, Ziraat Bankası, Denizbank, Garanti Bankası, Akbank, and Ziraat Katılım.
