SMEProject Loans

SME Project Loan with a 6-month grace period, at Garanti BBVA.


The SME Project Loan is a type of loan, available for SMEs investing in any sector, developed jointly by Garanti BBVA and the Credit Guarantee Fund (CGF) and offered on the basis of the investment's return and cash flow generation periods. The loan features a 6-month grace period and can be taken out with terms up to 7 years depending on the return and cash flow generation periods of the investment.

  • Features and Benefits

    With the SME Project Loans, you can take out a loan with options that suits your company’s cash flow.

    SMEs who can present suitable feasibility analyses for their investments, have the potential to generate export/foreign currency earnings with no sectoral limitations, and are capable of competing in international markets can take advantage of the SME Project Loans.

    The SME Project Loans are offered in collaboration with the Credit Guarantee Fund, an institution specialized in the assessment of projects.

    The loan is offered as 75% of the total investment amount. The collateral is obtained through the CGF’s guarantee for 50% of the loan, and through standard loan procedures for the remaining amount.

    The maturity of the loan is determined according to  the company’s cash flow, and in addition to its income and expenditures, its need for additional working capital is taken into consideration to create a payment plan that suits the company’s cash flow.

    Another important feature of the SME Project Loans is the fixed interest rate in TL or foreign currency that allows you to make plans knowing the amount of payment you will have to make beforehand.

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