The TOBB Nefes Loan, implemented in cooperation with the Union of Chambers and Commodity Exchanges of Türkiye, TOBB, the Credit Guarantee Fund, KGF, and banks, is being reactivated. Applications for the new loan package, which aims to facilitate SMEs’ access to financing, will begin as of Monday, June 8, 2026.
Under the new period of the TOBB Nefes Loan, companies will be able to use loans up to a maximum of 3 million TL. The loans will be offered with maturities of up to 48 months, including a 6-month principal payment-free period. Within the scope of the program, an annual interest rate of 36% will be applied for maturities of up to 24 months, while an annual interest rate of 34% will be applied for maturities over 24 months.
Applications Will Be Made Through Bank Branches
Members who wish to benefit from the TOBB Nefes Loan will be able to apply with an activity certificate obtained from their affiliated chamber or commodity exchange, bearing the statement “For the 2026 Nefes Loan.” Applications will be accepted only through designated bank branches.
The banks through which applications can be made have been announced as follows:
- Akbank
- DenizBank
- QNB Bank
- Ziraat Bankası
- Garanti Bankası
- Halkbank
- VakıfBank
- Yapı Kredi
- Ziraat Katılım
In the statement issued by TOBB, it was noted that applications can be made through the branches of these banks.
Warning on Internet Sites and Mobile Applications
Authorities warned members that TOBB Nefes Loan applications cannot be made through any internet site or mobile application other than the specified banks. For this reason, members were urged to be cautious against misleading content, fake application links and fraud attempts created using the name of the loan.
Financing Support for SMEs
The TOBB Nefes Loan aims to support the cash flow of small and medium-sized enterprises, especially those experiencing difficulties in accessing finance. It was reported that a loan volume of 25 billion TL will be made available in the first phase and that the total loan volume is targeted to reach 100 billion TL with additional limits to be announced during the year.
The loan package is expected to provide significant short- and medium-term support to SMEs in the face of rising costs and financing needs.
