저신용 소상공인자금The Ministry of SMEs and Startups announced that it will begin accepting applications for the ‘Hope Loan’ online (small business policy fund website) from the 3rd for small business owners with low credit who are experiencing difficulties due to the extension of the strengthened social distancing measures for COVID-19.
Those eligible for support are small business owners with low credit, with a credit score of 744 points or lower based on Nice Rating Information and a credit score of 6 or lower, among companies that have received 1 million won in quarantine subsidies for small business owners since December 27 of last year.
A total of 1.4 trillion won will be provided, up to 10 million won per person, at a low interest rate of 1% per year.
Loans are available regardless of the type of small business policy funds and balance size that are currently being loaned, but if you have received support for the ‘Daily Life Recovery Special Loan (1% interest rate, 20 million won limit)’ that has been in effect since November 29 of last year, you can apply multiple times. does not exist.
In addition, those who are delinquent on taxes, delinquent financial institutions, have their businesses closed, or are not small business owners are excluded from support.
Hope Loan is a direct loan from the Small Business Market Promotion Corporation, and the loan period is 5 years (2-year grace period, 3-year installment repayment).
Applications and applications can be made through the Small Business Policy Fund website (https://ols.sbiz.or.kr).
Considering that ‘low credit’ is an application requirement, the Ministry of SMEs and Startups will provide guidance through a separate notification window on the Small Business Policy Fund website so that you can check your credit score in advance before applying.
In addition, in order to distribute simultaneous connections, a 10-subject system will be implemented based on the last digit of the birth year in the representative’s resident registration number for the first 10 days of application, from the 3rd to the 12th.
From the 13th, you can apply regardless of the last digit of your birth year.
The Ministry of SMEs and Startups plans to provide advance notice through the policy fund website if the 10-part system is implemented once more depending on the application trend.
Application hours are from 9 a.m. to midnight during the 10-day system period, and from the day the 10-day system ends, applications are accepted 24 hours a day from 9 a.m. You can apply online even on Saturdays, Sundays and public holidays.
Detailed information can be found on the Small Business Policy Fund website (https://ols.sbiz.or.kr).
You can also receive guidance from the dedicated call center (☎1533-0100), the small and medium-sized enterprise integrated call center (☎1357 without area code), and the Small Business Market Promotion Corporation’s 70 regional centers.
Meanwhile, the Ministry of SMEs and Startups plans to separately announce financial support plans for small business owners with medium or higher credit ratings affected by the coronavirus, including local news special guarantees, within this month.
Inquiries: Ministry of SMEs and Startups, Small Business Policy Division, 044-204-7823
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