# Access to finance in manufacturing: a new phase in KOSGEB programmes | TİBİAD > KOSGEB has extended the scope of its Employment Protection Support Programme to include large enterprises and has opened the first 2026 application period of its Global Competitiveness Support Programme. The Medium-Term Programme (MTP) also includes measures to improve SMEs' access to finance. - Address: https://tibiad.org.tr/en/news/sme-access-to-finance-and-support-programmes - Language: English - Organisation: TİBİAD - All United Business People Association - Date: 2026-09-23 --- Finance and support23 September 2026 ## Access to finance in manufacturing: a new phase in KOSGEB programmes KOSGEB has extended the scope of its Employment Protection Support Programme to include large enterprises and has opened the first 2026 application period of its Global Competitiveness Support Programme. The Medium-Term Programme (MTP) also includes measures to improve SMEs' access to finance. According to an announcement by KOSGEB on 28 August, the scope of the Employment Protection Support Programme has been extended. Under the new arrangement, large enterprises as well as SMEs whose main or secondary activity is in manufacturing can benefit from the programme, and the financing support covered by KOSGEB has been raised from 10 to 12 percentage points. The loan ceiling has been set at TRY 50 million for SMEs and TRY 150 million for large enterprises, and applications are accepted between 1 September and 31 October 2026. According to KOSGEB data, TRY 11.2 billion in support had been provided to 17,843 businesses under the programme as of August. On 7 September, KOSGEB also opened the first 2026 application period of the Global Competitiveness Support Programme; in this programme, whose criteria include activity at a medium-high or high technology level and export growth, the loan ceiling per business is TRY 75 million and non-repayable financing support is applied at 20 percentage points. The Medium-Term Programme (2027-2029), published on 6 September, also lists among its measures increasing credit guarantee capacity with priority given to SMEs, and reducing collection risks arising from deferred-payment sales. ### TİBİAD assessment In TİBİAD's assessment, the broader scope of support programmes is not in itself decisive for access to finance; businesses also need to be able to prepare a project file that meets the application requirements and sets out expenditure items and a repayment plan clearly. Cash flow planning, collateral and the documentation of expenses covered by the support are the main issues to be clarified before applying. At TİBİAD, through the Investment and Incentives Advisory Desk, we help institutions and businesses match their project ideas with suitable support programmes and turn them into project files with defined work packages, budgets and timelines. The current situation assessment in the Digital Transformation and AI Programme also helps set out the rationale and objectives of transformation in support applications. TİBİAD highlights the following steps for businesses: - Regularly monitoring the eligibility criteria and application periods of support programmes - Preparing a cash flow and repayment plan before applying - Setting up a system for documenting expenses covered by the support from the outset ### Sources - KOSGEB — İstihdamı Koruma Destek Programının Kapsamı Genişletildi (28 August 2026) — [https://www.kosgeb.gov.tr/site/tr/genel/detay/9471/istihdami-koruma-destek-programinin-kapsami-genisletildi](https://www.kosgeb.gov.tr/site/tr/genel/detay/9471/istihdami-koruma-destek-programinin-kapsami-genisletildi) - KOSGEB — KOBİ'lerin Küresel Rekabet Gücünü Artıracak Destek Programına Başvurular Başladı (7 September 2026) — [https://www.kosgeb.gov.tr/site/tr/genel/detay/9476/kobilerin-kuresel-rekabet-gucunu-artiracak-destek-programina-basvurular-basladi](https://www.kosgeb.gov.tr/site/tr/genel/detay/9476/kobilerin-kuresel-rekabet-gucunu-artiracak-destek-programina-basvurular-basladi) - Cumhurbaşkanlığı Strateji ve Bütçe Başkanlığı — Orta Vadeli Program (2027-2029) (6 September 2026) — [https://www.sbb.gov.tr/wp-content/uploads/2026/09/Orta-Vadeli-Program-2027-2029.pdf](https://www.sbb.gov.tr/wp-content/uploads/2026/09/Orta-Vadeli-Program-2027-2029.pdf) ### Related projects - [P07Investment and Incentives Advisory Desk](https://tibiad.org.tr/en/projects/investment-and-incentives-advisory-desk) - [P04Digital Transformation and AI Programme](https://tibiad.org.tr/en/projects/digital-transformation-and-ai-programme) ### More news - [7 October 2026TİBİAD membership applications are accepted online](https://tibiad.org.tr/en/news/membership-applications-open-online) - [6 October 2026Call to join our sixteen sector boards](https://tibiad.org.tr/en/news/call-to-join-sector-boards) - [30 September 2026Exports up 8.1% in August; high-technology share at 3.6%](https://tibiad.org.tr/en/news/august-exports-and-technology-intensity) - [29 September 2026Industrial production fell in July; capacity utilisation rose in September](https://tibiad.org.tr/en/news/industrial-production-and-capacity-utilisation-september-2026) [PreviousAI and digital transformation in production come to the fore in public policy](https://tibiad.org.tr/en/news/ai-and-digital-transformation-priorities-in-manufacturing)[NextAugust price data: the energy effect stands out in producer costs](https://tibiad.org.tr/en/news/august-price-data-and-production-costs)