An exclusive service from Garanti for the members of the Chamber of Pharmacists, the Pharmacy Package. We have agreements with İzmir, Adana, Trabzon, Çorum, Erzurum, Aydın, Kütahya, Çanakkale, İzmit, Antakya, Mersin, Urfa, Edirne, Muğla, Isparta and Afyon Chambers of Pharmacists. Pharmacists who are not members of a participating chamber can also take advantage of the Pharmacy Package.
“Support for our Pharmacy Loan” with terms up to 60 months.
With the “Support for our Pharmacy Loan” offered with terms up to 60 months, you can meet all your needs in regards to working capital, buying and selling goods and financing of payment terms.
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.
Social Security Institution Payments
Pharmacies, hospitals, laboratories, dialysis and health centers can collect their Social Security Institution payments from Garanti.
In our Social Security Institution package: Special Support Loan, discounted POS commissions, no-fee checkbook, no-fee money transfer and EFT transactions via the internet.
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. A guarantor is not a requirement for pharmacies.
You can take advantage of the POS terminals offered in the Pharmacy 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.
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
** 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.