SME

Cash Loans

Cash Loans

Our Bank aims to support SMEs with credit products that satisfy the operational and investment capital needs and foreign exchange cash needs of SMEs. Considering attributes such as companies' cash cycle, seasonal factors, and characteristics of the sector; our branches provide all means of support with our credit products containing types of credits with monthly equal installments, periodic installments, spot and revolving cash.

Non-cash Loans

Non-cash Loans

It is the credit type where a commercial business or commitment is guaranteed by bank or vouched by bank.
With Non-cash Loans such as TL/FX letters of indemnity, letters of credit and letters of guarantee; our bank provides support for SME clients in conducting commercial transactions by guaranteeing all or a portion of the transaction amount.
 

Medium and Long-Term Investment and Project Loan

Medium and Long-Term Investment and Project Loan

With this credit, the aim is to cover SMEs’ needs such as investment, operational capital, etc., and support the projects they design to develop in this context.
Target audience of the loan is businesses that operate in manufacturing industry, agro-industry, tourism, education, health, trade, energy, science and communication technologies sectors and the companies offer service products in these sectors.
The advantage of the grace period and interest rates on loans granted for long terms are determined as fixed, or variable or based on Trlibor, Libor and Euribor; actualized and collected in every 3 or 6 months including the grace period.
Credits may be issued as TL or FX; granting credit as TL may only be performed in domestic branches.
 

Loans from Abroad

Loans from Abroad

Through the funding opportunities provided by financial institutions such as The World Bank, the French Development Agency, the European Investment Bank and the Council of Europe Development Bank; Halkbank provides support to its SME clients with appropriate interest and maturity options in topics such as project investment, Greenfield investment, expansion, modernization, renovation, quality improvement, debottlenecking, completion, integration, product variation, etc.

Foreign Trade

Foreign Trade

Halkbank satisfies the Foreign Trade Financing needs and demands of its SME Banking clients with customized solutions and expert staff.

The credit types that our SME Firms may use in Foreign Trade Financing are:

Eximbank Loans

These are the loans granted for export companies or export-oriented firms by Turkish Export Bank Inc. (Eximbank) for developing export. Our Bank provides intermediate trade for the loans issued by Turkish Export Credit Bank (Eximbank). These loans may be used as Turkish Lira or foreign currency, and are subject to exclusions of taxes, duties, fees and funds.

Country Loans

Hermes/Coface/Sace/Erg and likewise institutions are Export Credit Agencies established for providing country loans and promotes the export of investment goods of the country they reside in. ECAs aim to increase the exports made in their country. To this end, they provide mid-term credits to importers outside of their country for purchase of goods. Halkbank serves SMEs that will conduct import operation from these countries by providing country loans.

Export Credits

These are the loans issued to SMEs that take part in foreign exchange earning activities as spot, revolving and installment based credits for the financing of the export and to cover for the financial need that emerges before delivery, provided that import commitment is met.

Post-Financing

These are the loans provided by firms from sellers abroad or international markets to be used in import financing and issued via Halkbank.
 

Packages

Packages

Halkbank continues to be with SMEs with support packages consisting of sector-specific products and services, and satisfying all requirements from the need for cash loans to banking services.

Sectoral Support Packages prepared for Manufacturers, Exporters, Pharmacists for all other sectors;
 

Sectoral Support Packages:

Sectoral Support Packages:

 Export Support Package

 Manufacturing Support Package

 Machinery Manufacturing Support Package

 Technology, R & D, Innovation Support Package

 SME Tourism Season Support Package

 Service and Trade Industry Support Packages

 Commitment Sector Support Package

 Support Package for Transportation Sector

 Medical Loan Package

 POS Business Support Package

 Unlicensed Power Generation Support Package

 Agricultural Support Package