KOSGEB SME Digital Transformation Program subsidizes TL 20M loans, how to apply?

Under the directive, total equity in the latest financial year must be positive. Operating profit must also be positive in at least one of the last three financial years. A workshop with negative equity and three loss-making years stops here.

The application must be made within the report’s validity or roadmap period. If the report states no period, the deadline is one year from the report’s approval (Directive, Article 7). The format is DDX for TÜSSİDE and SIRI for MEXT and İHKİB.

The loan funding comes from the EBRD, so activities on the EBRD’s list of ineligible sectors and activities cannot enter the program. Check that list before applying.

The support rate, expressed in points, is set by an approval of the KOSGEB President. The system calculates the interest support with a Support Calculation Table, using the rate valid on the date the loan is actually drawn. Since the current rate is not clearly stated on the page or in the directive, confirm it with KOSGEB before writing any figure into your budget.

The program runs for 24 months, and a business can use it only once. So bundle everything in the roadmap that fits within 24 months into one package.

The program page does not state the loan’s interest rate or bank conditions. These come from the partner banks’ own offers: TEB, Türkiye İş Bankası and Yapı ve Kredi Bankası. Getting written offers from all three is the clearest way to compare collateral and fees.

One mistake is ordering the machine before the report and the board decision, which reverses the program’s own sequence. Another is buying second-hand equipment, since the program requires purchased products to be new. A third is leaving the report in a drawer past its one-year window; once it lapses, no application is possible without a new report.

Yes. The digital transformation assessment support in KOSGEB’s YÖNDE Program covers this analysis 100 percent, non-repayable, up to TL 20,000 per service. Using YÖNDE for the report and this program for the loan interest ties both supports to the same investment.

Let’s say a metal, plastics, food or textile manufacturer wants to renew a CNC machine, move to production tracking software or add sensors to a line. That firm sits right in the program’s target. When orders are there but the line cannot keep up, having part of the interest burden covered shortens the investment’s payback.

Micro businesses, wholesale, retail and service sectors cannot apply. A manufacturer with negative equity or three years of operating losses also misses the conditions. For machinery investment backed by a loan, KOSGEB Capacity Development loan support is another option, with its own conditions. All current programs are in our grants and incentives news archive.

For machinery and software sellers, the buyer’s questions no longer stop at price; the buyer also asks whether the product is new and whether the invoice fits the project. DDX and SIRI consultants are the first stop, because every manufacturer seeking the loan needs their report first.

A manufacturer with shorter lead times and well-kept quality data can show them as concrete facts on its website and B2B marketplace storefront. When buyers searching for suppliers see capacity, certification and delivery information, the quote requests that come in are better qualified.

Machinery, software and hardware bought with the support cannot be sold, leased or transferred until one year after the final loan maturity. Keep equipment inventory and licence records tidy for that whole period.

Confirm in your records and your KOSGEB SME declaration that your activity code falls under Section C and that your size class is small or medium.

Get quotes from consultants authorised by TÜSSİDE, MEXT or İHKİB; the DDX consultant list is on the TÜSSİDE portal. Put the report’s approval date in your calendar, because the one-year application window starts that day.

Collect quotes for new products only, for every machine, software licence and piece of hardware, and see that the total fits the TL 1-20 million band. Checklist: manufacturing code, small or medium size, positive equity, operating profit in at least one year, valid report, quotes for new products, loan offers from three banks. We turn the roadmap into an investment plan with clients through our digital transformation management service.

No. Under the directive, the business must be small or medium-sized on the application date; micro businesses cannot use the program.

No. According to the program page, purchased products must be new to count as supported expenses.

From consultants certified or authorised by TÜSSİDE, MEXT or İHKİB; for the cost of the report, look at the assessment support in the YÖNDE program.