TESKOMB guaranteed loans exceeded 900 billion TL

According to the statement of the Ministry of Commerce, the loans provided to tradesmen and craftsmen with the guarantee of TESKOMB, Halkbank and 50 percent cost subsidy of the Treasury reached 907.8 billion TL.

The Ministry of Commerce shared with the public the current table regarding the loan programs carried out to support access to finance for tradesmen and craftsmen operating throughout Türkiye. The total volume of support provided by Halkbank resources and the guarantee of the Central Union of Turkish Tradesmen and Craftsmen Credit and Guarantee Cooperatives Unions (TESKOMB) reached a record level after long-term statistics. Shared official indicators reveal the financial size reached by the mechanism that secures the cash flow of small businesses.

4.7 Million Loans and 907.8 Billion Lira Financing Volume

According to the official records, 4 million 786 thousand 84 loan opportunities were offered to tradesmen and craftsmen between the end of 2002 and the end of October 2026. The total monetary size of these liquidity packages provided exceeded the level of 907.8 billion TL. Within the scope of the structure where the cost is subsidized by the Treasury at a rate of 50 percent, advantageous rates according to market conditions were put into effect. With the applied government support, the annual financing cost was recorded as 25 percent in 2025 and 20 percent in 2026.

Transformation of Small Businesses and Sectoral Impacts

The ability of small businesses to maintain operational continuity under challenging market conditions depends directly on cost-effective liquidity channels. TESKOMB guarantee mechanism and Treasury subsidy; It is a lifeline in many critical areas, from traditional tradesmen's investments in transition to e-commerce to new generation cash register and POS infrastructures, from workshop modernization to working capital. The decrease in the annual cost rate to the 20 percent band by 2026 directly contributes to the turning of the wheels of local trade and the protection of employment by easing the debt burden of businesses. The cost advantage also makes it easier for bazaar and neighborhood tradesmen to keep up with modern trade dynamics.