TOBB'S "BREATHING LOAN" PROGRAM IS STARTING AGAIN
Applications for the TOBB Nefes Credit program, designed to facilitate our members' access to financing, will open on Tuesday, November 3, 2026.
This program, implemented in cooperation with the Turkish Chambers of Commerce and Industry (TOBB), the Credit Guarantee Fund (KGF), and banks, aims to provide an additional 50 billion TL in credit to our SMEs.
In this new phase, where the credit limit per firm has been increased to 5 million TL, businesses that have previously used the Nefes Credit program will also be able to benefit from additional financing to bring their total credit amount up to 5 million TL.
Loans will have a maximum term of 48 months, including a 6-month grace period for principal payments. An annual interest rate of 36% will be applied for terms up to 24 months, and 34% for terms exceeding 24 months.
Applications can be made through VakıfBank, Halkbank, DenizBank, Garanti BBVA, Ziraat Bankası, Yapı Kredi, QNB, and Ziraat Katılım banks.
Facilitating access to finance, one of the most important needs of our business world, is crucial for our businesses to continue their operations and for supporting production and employment.
As the Yalova Chamber of Commerce and Industry, we prioritize our members' more effective access to financing opportunities. In this regard, I believe that the TOBB Nefes Credit, which has been implemented, will make significant contributions to our businesses.
I would like to thank our TOBB President, Mr. M. Rifat Hisarcıklıoğlu, the Credit Guarantee Fund, and the participating banks for their efforts in making this financing support a reality.
I wish all our members and the business world well.
Cemil Demiryürek
YTSO Board of Directors President
