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1. Small business policy funds are policy funds for small business owners supported by the Small Business Market Promotion Agency.
2. Small business policy funds are divided into three types: ‘Growth Base Funds’, ‘General Management Stabilization Funds’, and ‘Special Management Stabilization Funds’.
3. The interest rate for small business policy funds is 2.00% to 5.49% per annum.
Did you know that the government operates ‘Small Business Policy Funds’ to promote the growth and management stability of small business owners? Let’s find out about the types, application qualifications, interest rates, and application methods of the 2024 Small Business Policy Funds.
Small business policy funds are policy funds for small business owners supported by the Small Business Market Promotion Agency. It targets small businesses with less than 5 employees, and manufacturing, construction, and transportation industries with less than 10 employees. It mainly consists of loan products, and funds are loaned at low interest rates.
Small business policy funds are divided into three categories: ‘Growth Base Funds’, ‘General Management Stabilization Funds’, and ‘Special Management Stabilization Funds’. There are loan products subdivided by each category, and application requirements also vary.
1) Specialized funds for small business owners
Small business owners with less than 10 regular employees engaged in manufacturing
2) Innovative growth promotion funds
① (Innovative) Small business owners who export, have increased sales by 10% or more for 2 consecutive years, small business owners who have introduced smart factories, social economy enterprises, strong small business owners and local creators
② (General) Innovative small business owners who use smart technology and online, century-old small business owners (century-old stores), graduates of the New Business Startup Academy
3) Private investment-linked matching loans
Small business owners who have received investment funds through specialized operating agencies designated by the Small Business Market Promotion Agency and have received a letter of recommendation for small business pre-investment
General funds
Small business owners regardless of business history
1) Emergency management stabilization funds
Small business owners who have suffered damage from a disaster and have received a “Disaster Small Business (Small Business) Confirmation Certificate” from the local government
2) Emergency Management Stabilization Fund (Temporary Management Difficulties)
Small business owners in areas where a regional economic crisis is a concern or whose business has been damaged by infectious diseases, etc.
3) Disabled Business Support Fund
Disabled small business owners or businesses holding a disabled welfare card (national merit card/certificate) or disabled business verification certificate
4) Low-credit small business owner fund
Small business owners with low credit (NCB 744 points or lower) who have completed credit management education at the Small Business Knowledge Learning Center in advance
5) Re-challenge Special Fund
① (Re-establishment preparation stage) Small business owners who have completed the re-establishment education of the Small Business Hope Return Package Project within the past year
② (Initial stage of re-establishment) Small business owners who have been in the re-establishment business for less than 7 years and who meet all the conditions required by the corporation
③ (Initial stage of re-establishment) Small business owners who have resumed business after a suspension of business for more than 3 months, changed industries, or relocated their business due to a decrease in sales
④ (Debt adjustment) ‘Debt resolution Small business owners who have faithfully repaid their loans recognized by the ‘Comprehensive Rehabilitation Support Package Participating Institution’
6) Youth Employment Linkage Fund
① Young small business owners (39 years of age or younger) with less than 3 years of business experience
② Small business owners who employ more than half of their regular workers (39 years of age or younger) or have employed at least one young worker within the past year
7) Refinancing Loans
Loans held by small business owners with medium or low credit ratings from banks or non-banking businesses, including high-interest loans or loans with difficult maturity extensions
*What is the difference between direct loans and agency loans?
With direct loans, small business owners directly execute loans on the Small Business Market Promotion Agency website, while with agency loans, banks execute loans on their behalf.
If you are eligible to apply for small business policy funds, it would be best to make the most of it. You can check more details and apply on the website operated by the Small Business Market Promotion Agency. *This content is based on data from the Small Business Corporation.
