Tourism Support Package

Support for Tourism Companies from Garanti SME!


Garanti offers financing opportunity for the Tourism sector with terms up to 60 months. Flexible repayment terms tailored according to the 6-month period when there is cash flow, grace period for the remaining period with no cash flow,  POS terminals capable of handling transactions in a foreign currency of preference, fast and secure international money transfers through a widespread and strong correspondent network, all in the Tourism Support Package.
Accommodation establishments, travel agencies, supplier companies, cafes, bars and restaurants, establishments that serve tourists! There is a brand new Tourism Support Package for you at Garanti SME.

  • Loans

    Tourism Support Package

    The loan can be taken out in TL or foreign currency with terms up to 60 months. For each year until the maturity of the loan, you can make payments in the months that you have strong cash flow. In short, you can make payments during the 3 months that you have cash flow, and don't make any payments in the remaining 9 months when you don't have cash flow.

    Business Premises Loans

    Instead of renting, you can purchase a property for your business by taking out a TL or foreign currency indexed loan with terms up to 96 months, and offer your services in the facilities of your own.

    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.

    Commercial Vehicle Loans and Fuel Management System

    You can purchase your commercial vehicles with suitable payment terms. Additionally, through special agreements Garanti has with vehicle dealers, you can take advantage of brand-specific exclusive discounts and interest rates.

    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.

  • Services

    Overdraft Account

    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.

    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. 


    You can take advantage of the POS terminals offered in the Tourism 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.

    Foreign exchange transfers, foreign exchange buy/sell transactions
    You can perform your incoming or outgoing international money transfer transactions quickly and securely through Garanti's widespread and strong correspondent network.  Additionally, you can buy and sell foreign currency through our branches or alternative delivery channels (Internet Banking, Garanti Paramatik, 444 KOBİ – 444 5624 SME Support Line) at Garanti's competitive exchange rates.

    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.

    Other Services

    • 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

    * 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.


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