Treasury-Backed Credit Opens New Financial Path for Tax-Debt Burdened Merchants

A new financial avenue has opened for merchants burdened with tax and SGK debt, as the Treasury-backed credit facility lightens their fiscal load.

Dual-Edge Credit: Debt Relief Meets Growth Potential

The credit will be offered to merchants with up to 200 million TRY in debt, with a 5-year term and a fixed interest rate of 1.5%.

■Debt: Reduction of tax and SGK debt by 50%.

■Term: 5 years, installment payment plan.

■Interest: Fixed at 1.5%, protection against variable rate risk.

■Use: Flexible for working capital, equipment purchase or expansion.

The New Intersection of Digital and Financial Stability

The credit will optimize cash flow through integration with digital payment systems.

■Technology: Online application and installment tracking.

■Transparency: 100% transparency and reporting throughout the agreement process.

■Risk Management: Automated collection systems to minimize credit risk.

Credit Terms and Interest Safeguard

The interest rate is kept at a fixed 1.5% for Treasury-backed loans, with a built-in 0.5% buffer against economic fluctuations.

■Credit Rating: 0.5% discount for high-rated merchants.

■Repayment: Flexible installment options, no early repayment penalties.

■Collateral: Required in case of default, with real estate or vehicle as security.

Market Impact: Short and Long Term

The credit will ease the contraction in SME lending and increase market liquidity.

■Liquidity: Expected 10% increase in bank portfolios.

■Credit Growth: Potential 5% growth in SME lending.

■Macro Stability: Targeted inflation control while keeping interest rates stable.

Forward-Looking Outlook

The Treasury-backed credit will boost the competitiveness of local merchants and revitalize the local economy.

■Employment: Expected 3% increase in new hires.

■Investment: 15% rise in local venture capital.

■Sustainability: Additional incentives for eco-friendly equipment purchases.

This credit program will soften the squeeze on SME lending and support long‑term stability in Turkey's financial ecosystem. By easing merchants' debt burden, it also allows banks to diversify their loan portfolios, thereby reducing systemic risk.