KOSGEB has opened the third 2026 application round of its Capacity Development Support Program. According to the agency’s August 22 announcement, applications close on September 15, 2026. The program is designed to support the financing costs of loans used by eligible small and medium-sized enterprises for scaling, digital transformation and supplier-development investments.
Application window and financing limits
Anadolu Agency and TRT Haber, citing Industry and Technology Minister Mehmet Fatih Kacır, reported a maximum loan maturity of 36 months. KOSGEB’s program page lists a general minimum loan amount of 1 million Turkish liras and an upper limit of 20 million liras per business. For certain supplier companies in the defense, aviation and space fields, the ceiling can range from 25 million to 30 million liras depending on a valid EYDEP certificate.
The program’s “20-point” figure is not a direct cash grant. It describes the support rate applied to financing costs. A participating financial institution provides the loan, while KOSGEB covers the defined portion of financing costs for an approved project. Access to credit still depends on the bank’s assessment as well as KOSGEB’s project decision.
Which sectors can apply?
KOSGEB’s current conditions cover businesses operating in manufacturing; telecommunications; computer programming and consultancy; information infrastructure, data processing and hosting; and scientific research and development. An applicant must be active in KOSGEB’s database, have an up-to-date business declaration, and qualify as a small or medium-sized enterprise.
The applicant must also have natural-person or legal-person status under the Turkish Commercial Code. The program generally requires the applicant to be a fast-growing business. Exceptions can apply to companies holding the Teknogirişim Badge and to certain businesses included in designated supplier-development arrangements. A company is therefore not automatically eligible merely because its activity appears in one of the listed sectors.
Eligible cost categories
The official program page lists personnel, machinery and equipment, molds, software, purchased services and working capital among the supported cost categories. Purchased services can include training, consultancy, certification, testing and analysis, marketing, design and industrial-property expenses. The evaluation process determines whether a specific cost is accepted within an individual project.
Ziraat Bank, Halkbank, VakıfBank and Ziraat Participation Bank are listed among the institutions covered by the program protocol. KOSGEB’s frequently asked questions state that a project can obtain loan financing from only one financial institution. Repayments are expected in equal installments at three-month intervals.
What businesses should verify first
Potential applicants should check their sector code, SME classification, current declaration and fast-growth status against the official guide. The 30-million-lira ceiling does not apply to every applicant; it is tied to particular supplier businesses and certificate levels. Opening an application round does not mean support or bank credit is automatically approved.
KOSGEB set September 15 as the deadline for the third round. Businesses considering an application should use the agency’s e-Services portal and current application guide, relying on official documentation rather than brief news summaries. Any later change to conditions should also be verified through KOSGEB’s official channels.
Evaluation and implementation
Submitting an application does not itself create a right to financing. KOSGEB’s documents show separate stages for application, control, committee assessment, decisions, payment requests and periodic monitoring. Approved amounts depend on eligible costs, the committee decision and the lender’s credit assessment. Businesses should not interpret the support points as an interest-free loan or assume they will automatically receive the maximum ceiling.
