If your business is timely transportation of goods, then your logistics support is at Garanti. Loans directed towards the acquisition of authorization licenses and training programs required by the new transportation law are in the Logistics Sector Package. With this package, you can grow your business in line with your cash flow and take advantage of loans that will always keep your vehicles brand new.
For sea or land transportation companies, agencies, customs brokers, truckers and trucking cooperatives, logistics warehouses, freight companies, distribution companies, bus transportation companies and moving companies, loans with suitable terms are at Garanti with the Logistics Sector Package.
Authorization License Loan
If you engage in land transportation, you can take advantage of the Authorization License Loan* to obtain the authorization license you need for the scope of your business. You can take out the Authorization License Loan with terms up to 36 months, select the collateral alternative that best suits you and also put up your vehicle as collateral.
For the training programs you are required to take from institutions approved by the Ministry of Transportation, you can take out a Training Loan* with terms up to 12 months.
Logistics Support Loan
You can take out a Logistics Support Loan with terms up to 60 months for all your investment and working capital needs.
Vehicle Maintenance Loan
With the Vehicle Maintenance Loan, you can pay for your vehicles' periodical maintenance costs up to TL 10.000 per vehicle in 12 installments.
Freight Support Loan
Companies who operate in the freight sector can take advantage of the Freight Support Loan with terms up to 60 months for all their investment and working capital needs.
Heavy-duty Vehicle Loans
For new vehicles up to 5 years old, you can take out a Heavy-duty Vehicle Loan with terms up to 60 months. Furthermore, through special agreements Garanti has with vehicle dealers, you can take advantage of brand-specific exclusive discounts and interest rates.
Business Premises Loan
Instead of renting, you can own your production premises by taking out a TL or foreign currency indexed business premises loan with terms up to 96 months.
SME Support Loans (TL/Foreign Currency)
You can take advantage of machinery renewal, business premises renovation and technology development loans with terms up to 60 months.
* In accordance with the Land Transportation Law no: 4925, companies are required to obtain certain authorization licenses and take various trainings determined according to the scope of the relevant transportation business.
Overdraft Account is a deposit account with overdraft feature that you can use to pay your bills and withdraw cash advance. The interest of the credit you use over the course of one month is calculated based on the duration it is used and debited from your account the following month. Additionally, when you deposit money into your account, your debt is automatically paid off. Your overdraft account is always available for your payments, even if you don't have money in your deposit account.
You can take advantage of the POS terminals offered in the Logistics Support Package to regularly and easily keep track of your cash flow and to increase your sales. With a POS terminal, you can increase your sales as a Bonus Merchant Partner. With a Virtual POS, you can collect payment of your online sales. Additionally, you can take advantage of commission and blockage rates suitable for your sector, and by putting up your POS receivables as collateral, you can use overdraft or take out a loan at more favorable interest rates.
Fuel Management System
With Garanti's Fuel Management System (FMS), you can fuel the vehicles registered under your company from FMS-contracted companies and keep your fuel purchases under control while also taking advantage of payment terms provided for you.
Letters of Guarantee
By placing a request through your branch, you can pick up the TL or foreign currency letters of guarantee that your company needs from any Garanti Branch. No matter what the letter is for, purchase of goods, customs transactions, VAT, tender, Eximbank, security deposits, rental deposit, and whether it is temporary or permanent, you can pick up your letters of guarantee from any of our widespread network of branches and avoid any interruptions in your production.
Partner Card / Company Credit Card and Bonus Business
You can make payments to the suppliers with your Partner Card, and keep the purchases that you and your employees will make on behalf of your company with a Company Credit Card that you can assign separate and independent limits for each user. If you select Bonus Business as your company credit card, you can earn bonus on your company expenditures, and if you select Shop&Miles, you can earn miles.
SME Pension Plan
With our exclusive pension plan for SMEs, the SME Pension Plan, you can enroll in the private pension system and secure your and your family's future.
- If you make your contribution payments with Bonus Card, you can earn 1% bonus and transfer your accumulated bonus to your pension account if you wish.
- If you select the Flexi Pension Package, you can earn 4% bonus on every contribution payment you make and transfer your accumulated bonus to your pension account if you wish.
- If you make your contribution payments with your Shop&Miles card, you earn 1 extra mile for each TL 6.
- Factoring-leasing, with the cooperation of Garanti Factoring and Garanti Leasing.
- Checkbook in TL or foreign currency issued in your or your company' name.
- Standing payments and automatic bill payments.
- Check integration and Logo Business, compatible with your accounting system.
- Tax, SSK collections and online Bağ-Kur payments.
- Foreign exchange transfers, foreign exchange buy/sell transactions.
- Collateral support through collaboration with the Credit Guarantee Fund.
- Detailed information and assistance via Internet Banking, www.kobigaranti.com and 444 KOBİ – 444 5624.
- Rates and Fees
Product 3 months 6 months 9 months 12 months 18 months 24 months 36 months 48 months 60 months 96 months 120 months 240 months Corporate Loan 1,65 1,65 1,65 1,65 1,65 1,65 1,65 1,65 1,75 - - - Consumer Finance Loan**** 1,39 1,39 1,39 1,39 1,39 1,39 1,39 1,39 - - - - Business Premises Loan*** 1,36 1,36 1,36 1,36 1,36 1,36 1,36 1,36 1,36 1,40 1,40 - Auto Loan* 1,44 1,44 1,44 1,44 1,44 1,44 1,44 1,44 1,44 - - - Chambers of Tradesmen and Commerce 1,60 1,60 1,60 1,60 1,60 1,60 1,60 1,60 1,60 - - - Support Packages 1,60 1,60 1,60 1,60 1,60 1,60 1,60 1,60 1,60 - - - Traktör Kredisi** 1,70 1,70 1,70 1,70 1,70 1,70 1,70 1,70 1,70 - - - Women Entrepreneur 1,45 1,45 1,45 1,45 1,45 1,45 1,43 - - - - -
Last Update : 10/12/2016 11:40
Product 3 months 6 months 9 months 12 months 18 months 24 months 36 months 48 months 60 months 96 months 120 months 240 months Corporate Loan 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 - Business Premises Loan*** 0,69 0,69 0,69 0,69 0,68 0,68 0,68 0,73 0,73 0,85 - - Auto Loan* 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 - - - Chambers of Tradesmen and Commerce 0,90 0,90 0,90 0,90 0,90 0,90 - - - - - - Support Packages 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 - - - Women Entrepreneur 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 - - -
Last Update : 10/12/2016 11:40
Product 3 months 6 months 9 months 12 months 18 months 24 months 36 months 48 months 60 months 96 months 120 months 240 months Corporate Loan 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 - - - Business Premises Loan*** 0,74 0,74 0,74 0,74 0,75 0,75 0,76 0,80 0,80 0,87 - - Auto Loan* 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 - - - Chambers of Tradesmen and Commerce 0,85 0,85 0,85 0,85 0,85 0,85 - - - - - - Support Packages 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 - - - Women Entrepreneur 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 - - -
Last Update : 10/12/2016 11:40
** On tractor loans, the interest rate with quarterly or semiannual payments is 2,15 and the interest rate with annual payments is 2,20.
*** On business premises loans, a commission rate of up to 1% is collected from the customer.
**** Available up to 50% of the appraisal value (maximum of USD 250.000).
***** Foreign currency indexed business premises loans are only available for loans that are for usage purposes and for properties that are offices and business premises. Foreign currency indexed business premises loans cannot be used by real persons in the purchase of business premises for investment purposes.