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1. Small business policy funds are policy funds for small business owners supported by the Small Business Market Promotion Corporation.
2. Small business policy funds are divided into three types: ‘growth-based funds’, ‘general management stabilization funds’, and ‘special management stabilization funds’.
3. The interest rate of policy funds for small business owners ranges from 2.00% to 5.49% per year.
Did you know that the government operates ‘small business policy funds’ to ensure the growth and management stability of small business owners? Find out about the types of small business policy funds in 2024, application qualifications, interest rates, and application methods.
Small business policy funds are policy funds for small business owners supported by the Small Business Market Promotion Corporation. It targets small business owners with less than 5 workers, and manufacturing, construction, and transportation industries with less than 10 workers. It mainly consists of loan products, and funds are lent at low interest rates.
Policy funds for small business owners are divided into three types: ‘growth-based funds’, ‘general management stabilization funds’, and ‘special management stabilization funds’. There are detailed loan products for each item, and application requirements also vary.
1) Specialized funds for small businesses
Small business with less than 10 full-time employees engaged in manufacturing
2) Innovation growth promotion fund
① (Innovation type) Export small business owners, sales growth of more than 10% for two consecutive years, small business owners introducing smart factories, social economy enterprises, strong small business owners and local creators
② (General type) Smart technology/online utilization, innovative small business owners such as Baeknyeon Small Business (Baeknyeon Store), and graduates of the New Business Startup Academy
3) Private investment-linked matching loan
A small business owner who has received investment support through a specialized operating organization designated by the Small Business Market Promotion Corporation and has been issued a small business advance investment recommendation letter
general fund
Small business owner, regardless of industry experience
1) Emergency management stabilization fund
Small business owners who suffered disaster damage and 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 local economic crisis is a concern or whose business has suffered damage due to infectious diseases, etc.
3) Disabled Enterprise Support Fund
Disabled small business owners or companies holding a disabled person welfare card (national merit card/certificate) or disabled business confirmation certificate
4) Funding for low-credit small business owners
Small business owners with low credit (NCB score of 744 or lower) who have previously completed credit management training at the Small Business Knowledge Learning Center
5) Re-challenge special fund
① (Re-start-up preparation stage) Small business owners who have completed re-start-up training under the Small Business Hopeful Return Package Project within the past year
② (Early stage of re-startup) Small business owners with less than 7 years of re-startup experience who meet all conditions required by the Corporation
③ (Early stage of re-starting a business) Small business owners who relocated their business due to business resumption, business type change, or decrease in sales after being closed for more than 3 months.
④ (Debt Adjustment) Small business owners with good faith repayment recognized by ‘Debt Resolution Rehabilitation Support Package Participating Organization’
6) Youth employment linked fund
① Young small business owners with less than 3 years of experience (under 39 years of age)
② Small business owners who employ the majority of young workers (under 39 years of age) among full-time workers or who have hired at least one young worker within the past year
7) Refinance loan
Loans held by bank and non-bank businesses held by small business owners with low or medium credit, loans with medium or high interest rates, or loans that have difficulty extending maturity
*What is the difference between direct loan and agency loan?
In direct loans, small business owners provide loans directly on the Small Business Market Promotion Corporation website, and in proxy loans, banks provide loans on their behalf.
If you are eligible to apply for small business policy funds, it would be a good idea to make the most of it, right? You can check more details and apply on the website operated by the Small Business Market Promotion Corporation.
*This content was based on data from the Small Business Market Promotion Corporation.
