Starting a business with TRY 36,000: digital asset, shop rent or stock compared
Starting a business with TRY 36,000 usually leaves you three roads: rent a shop, buy goods to resell, or build a digital asset you own. The short answer: TRY 36,000 alone will not open a shop. For a shop renting at TRY 12,000 a month, the three-month security deposit swallows the whole amount.
Adapte’s START package, for TRY 36,000 + VAT, builds a domain, a website and 108 pieces of content in one go. The domain is in your name, and there is no income guarantee. Below, the three roads are compared on the same six criteria.
Which criteria do we use for the comparison?
We use six criteria: where the money goes, how long it keeps working, who owns the result, the hidden costs, the power to bring customers, and whether it turns back into cash. The aim is not to crown a winner but to find the one that fits your situation.
- Customer power: Does the money bring new buyers?
- Ownership: Who holds what you paid for?
- Duration: How long does one payment keep working?
- Hidden costs: Which bills arrive after you pay?
- Cash return: If you walk away, how much comes back?
- Risk: In the worst case, what is left?
Where does TRY 36,000 go if you rent a shop?
Say you find a small shop in Beylikdüzü at a gross rent of TRY 12,000 a month. Under Article 342 of the Turkish Code of Obligations, the deposit for residential and roofed commercial leases can be at most three months’ rent. If the landlord asks for that ceiling, all TRY 36,000 goes into the deposit, leaving nothing for the first month’s rent.
Withholding tax sits with the tenant
A tax-registered tenant withholds 20 percent of the gross rent and pays it to the tax office. On TRY 12,000 gross, that is TRY 2,400 a month. Check whether the lease states the rent as net or gross.
Costs that start when the shutters go up
Signage, shelving and utilities sit outside the rent and return every month. The deposit comes back only if the terms are met.
What happens if TRY 36,000 goes into stock?
As long as it sells, stock is where money turns over fastest. The catch is that stock does not bring customers by itself. Without a door, a window or a web page, the goods sit on the shelf and lose value as seasons pass.
Inventory turnover decides
Inventory turnover shows how many days goods take to sell and be replaced. Fast-moving goods put TRY 36,000 to work several times a year; slow ones leave it waiting for months.
Leftover goods are not cash
If you give up, stock clears only at a discount, and in fashion, food and electronics that discount runs deep. TRY 36,000 on paper is worth less at the till.
What does TRY 36,000 buy in a digital asset?
BU BÖLÜMÜN ÖZETİ
- What is inside the package?
- No guarantee, but visible potential
- Count the second year too
In Adapte’s “Own a Digital Asset” campaign, the START package is TRY 36,000 + VAT, paid upfront at a fixed price. It builds an asset you own in your chosen sector: a domain, an 18-page website and 108 pieces of content. With 20 percent VAT the payment is TRY 43,200; check the current rate on your invoice.
What is inside the package?
- Sector and opportunity analysis, project file and roadmap
- Domain selection with 1 year of hosting, domain in your name
- A website with 6 main and 12 sub pages
- 108 AI SEO ready pieces of content in 6 keyword groups
- GA4, Search Console and structured data setup
- Asset Value Card and a handover video
No guarantee, but visible potential
The campaign does not guarantee income; it shows potential with data. The asset is yours, and renting or selling later is possible. Details are on the Own a Digital Asset campaign page.
Count the second year too
Hosting is covered for the first year; renewal comes up from the second. Ask for that amount and add it to your cash plan. The full upkeep maths is in digital asset cost and return.
Three roads side by side: which one leads on which criterion?
The table uses the same TRY 36,000 and a hypothetical TRY 12,000 rent. A shop gives you a space and walk-in customers, but most of the money gets locked in the deposit. Stock is the fastest road but needs a door. A digital asset stays yours, but results take time.
| Criterion | Shop rent | Stock | Digital asset (START) |
|---|---|---|---|
| What TRY 36,000 buys | 3-month deposit | Goods on the shelf | Domain, website, 108 pieces of content |
| Who owns it? | The landlord (deposit refundable) | You, until sold | You, domain in your name |
| Brings customers? | As many as walk past | Not by itself | Through search, over time |
| Monthly costs | Rent, withholding, bills | Storage, wastage | None in year one, then renewal |
| Cash return | Conditional deposit refund | Discounted sale | Renting or selling possible |
| Who is it for? | Walk-in trades | Sellers with a ready channel | Those wanting a long-term asset |
How to read the table
If you already have a door, stock gets stronger; if not, a digital asset or a shop moves ahead. Cutting your coat according to your cloth starts with honest answers here.
Which road fits whom?
BU BÖLÜMÜN ÖZETİ
- The shopkeeper
- The reseller
- The asset builder
If your business lives on walk-in customers, a shop is unavoidable, but TRY 36,000 only covers the deposit. If you already have a sales channel, stock turns over fastest. If you have no door yet and want your money in an asset you own, a digital asset makes more sense.
The shopkeeper
For hairdressers, bakeries and tailors, TRY 36,000 is the start, not the finish. To keep the shop from twiddling its thumbs, you still need to be found online.
The reseller
With a marketplace store or a loyal customer list, stock works well. With no door, build the door first, then buy the goods.
The asset builder
For someone who wants customers before a shop, a digital asset is a sensible start. The concept is in what is a digital asset, and measuring the return on a digital investment is in digital transformation ROI.
Which 6 questions should you ask before deciding?
For most small business owners, TRY 36,000 is the last bit of spare cash, so decide with a cool head. These six questions show which road fits you. For the bigger picture, see owning a digital asset.
- Will my customers come from the door or from a search?
- If I lost TRY 36,000, would my business still stand?
- In whose name will what I pay for be registered?
- Which costs wait for me in the second year?
- If I give up, how much comes back?
- Can I use any support or other funding?
Before putting in all the capital yourself
New entrepreneurs should check KOSGEB’s list of support programmes; conditions vary by programme and can change the maths.
Quick Summary
- TRY 36,000 only covers the deposit on a shop renting at TRY 12,000.
- Deposits are capped at three months’ rent; withholding is 20 percent.
- Stock turns over fast but brings no customers by itself.
- START builds a domain, website and 108 pieces of content for TRY 36,000 + VAT.
- The domain is in your name; there is no income guarantee.
- If you have no door, build the door first.
Short Glossary
Security deposit: A security deposit is the sum used to secure a tenant’s compliance with the lease, capped at three months’ rent in Türkiye.
Rent withholding tax: Rent withholding tax is the rate a tax-registered tenant uses to deduct tax from gross commercial rent for the tax office.
Inventory turnover: Inventory turnover is the indicator used to measure how many days goods take to sell and be replaced.
Next Step
There are 12 project slots, and the last day is 1 November 2026. Apply to the Own a Digital Asset campaign and see the potential for your sector.
Frequently Asked Questions
Source: KOSGEB — Support Programmes List (Turkish)
Sık Sorulan Sorular
A shopkeeper’s real worry is not capital, it is customers walking through the door. If the till is not ringing, nothing else matters.
The rent amount is hypothetical, so fill the table with figures from your own neighbourhood.
On customer power and ownership the digital asset leads, because the money goes into something you own rather than rent. On speed, stock wins. A combination is often the soundest road.
“The door” on question one favours a shop or stock; “a search” favours the digital asset. A “no” on question two means split the money.
A digital asset is a property you own that gathers traffic and can grow in value: a domain, a website and content. It is not cryptocurrency. The domain is in your name, and renting or selling later is possible.
No. START is TRY 36,000 + VAT, or TRY 43,200 with 20 percent VAT; check the current rate on your invoice. For the 10 percent coupon, just mention the code when you apply or during the call.
For face-to-face services it complements a shop rather than replacing it. A shop serves walk-in customers, a digital asset serves people who search.
Updated: October 2026