What usually stands between a company and growth is not the idea but finance. Türkiye offers more instruments than most people realise; the difficulty is knowing which instrument fits which stage.
1 · Start-up and early stage
The KOSGEB Entrepreneur Support Programme provides up to 2 million TL, with up to 1 million TL in working-capital credit support aimed at women and young entrepreneurs, and a further 150,000 TL allowance for women, young people, people with disabilities, veterans and first-degree relatives of fallen servicepeople. Applications are taken in windows.
2 · Angel investment
A licensed angel investor may deduct part of the capital invested in a technology start-up from their annual income tax return, at a higher rate where the venture is TÜBİTAK/KOSGEB supported or has completed an R&D project in the past five years. The annual deduction ceiling was raised to 2.5 million TL for 2026.
3 · Investment incentive certificate
Covers VAT exemption, customs duty exemption, tax reduction, employer’s social security contribution support and interest support. Because Marmara provinces sit in a lower regional support group, priority investment subjects and strategic investment categories are usually more productive to examine.
4 · Credit and guarantee mechanisms
- Credit Guarantee Fund for SMEs lacking collateral.
- Eximbank credit, insurance and guarantee programmes — trade credit insurance in particular is under-used by our members.
- Supply-chain finance, the most practical answer to today’s payment- term problem.
This page is for information only and does not replace investment or tax advice. Terms and limits change; always check the relevant institution’s current announcements.