Women entrepreneurs who contribute to the Turkish economy! If you want to increase your production capacity in line with your cash flow or improve your service quality, there is a brand new Women Entrepreneur Support Package for you from Garanti SME Banking.
Visit the nearest Garanti Branch, start taking advantage of the Women Entrepreneur Support Package and grow your business with the benefits the package offers.
Women Entrepreneur Support Loans
You can take out a Women Entrepreneur Support Loan with terms up to 60 months at special exclusive to the women entrepreneurs.
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.
You can take out a TL or foreign currency indexed auto loan with terms up to 60 months to purchase the most suitable vehicle for your business.
Over the course of the production period, you can take advantage of our revolving, spot or installment loan opportunities for your working capital needs. In revolving loans, at the end of the period, you only pay interest for the duration that you have remained indebted. In spot loans, you pay off your debt when you collect your receivables and on a date that you determine. If the exact date of your collection is not certain, you can use a spot loan with early closing option. While you can take out these loans against collateral or lien, you can also convey your receivables, use the checks and bills you were given for your receivables.
If you engage in exports, you can take out your revolving and spot cash loans in the same currency with your export receivables, and don't get affected by the changes in the exchange rates if your expenses are in TL and your earnings are in USD/Euro.
SME Project Finance Loans
SME Project Finance Loan is a type of loan developed jointly by Garanti and 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. The maximum loan amount is USD 30.000. The loan is offered with a special annual commission rate exclusive to women entrepreneurs.
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 Finance Loans.
The SME Project Finance Loans are offered in collaboration with the Credit Guarantee Fund, an institution specialized in the assessment of projects, and limited to the 80% of the loan limit assigned by our bank. The maturity of the loan is determined in line with 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 Finance Loans is fixed interest rate in TL or foreign currency that allows SMEs to make plans knowing the amount of payment they will have to make beforehand.
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 Women Entrepreneur 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.
Company Credit Card and Bonus Business
You can 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.
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.
Foreign Trade Services
You can perform transactions regarding your incoming or outgoing money transfers quickly and securely through Garanti's strong network of branches including the ones at the free-zone and extensive agent connections. You can buy and sell foreign currency through our branches or alternative delivery channels (Garanti Paramatik, Inıternet Banking or Alo Garanti) at Garanti's competitive exchange rates.
Prepaid, cash against documents, cash on delivery, acceptance credit or letter of credit, no matter what the terms of your import or export are, with http://mevzuat.garanti.com you will never fall behind in keeping up-to-date with foreign trade regulations.
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 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 : 21/10/2016 19:47
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 : 21/10/2016 19:47
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 : 21/10/2016 19:47
* Our customers who purchase the casco of the vehicle to be bought from Eureko will qualify for a 0,05% discount on the TL Auto Loan interest rate.
** 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.