2026 Ministry of SMEs and Startups Policy Fund Loan Program for Small Business Owners (5th Amendment)
Provides customized low-interest loans up to 200 million KRW for situations such as disasters, management difficulties, or refinancing high-interest debt.
- Eligible
- Loan Limit
- Deadline
- 마감일 원문 확인
This notice outlines loan limits and interest rates for various policy funds including Emergency Management Stabilization, Refinancing, and Re-challenge Special Funds. Support ranges from up to 100 million KRW to 200 million KRW depending on the fund, with interest rates varying from 2.0% per annum to base rate adjustments based on eligibility.
3-second summary
- Support Details: Emergency Management Stabilization Fund (up to 100M KRW), Refinancing Loan (50M KRW), Re-challenge Special Fund (up to 200M KRW), Disabled Enterprise Support Fund (100M KRW), Youth Employment Linkage Fund (70M KRW)
- Interest Rate: 2.0% per annum to Base Rate ± Adjustment Margin
- Loan Period: 5 years (2-year grace period) to 10 years (no grace period)
Eligibility checklist
- Small business owners issued disaster confirmation certificates
- Small business owners facing temporary management difficulties
- Small business owners affected by Homeplus issues
- Mid-to-low credit rating small business owners
- Mid-to-low credit rating small business owners holding high-interest loans (over 7%) from banks/non-banks or loans with restricted maturity extensions
- Small business owners in preparation stage, early stage of re-startup, or undergoing debt adjustment
- Companies selected for Hope Return Package re-startup support
- Re-startup small business owners with recognized growth potential (sales increase, employment maintenance) who have faithfully repaid debts
- Disabled-owned enterprises
- Young entrepreneurs and young-employment small business owners
Recommended for
- Recommended for small business owners facing disasters or temporary management difficulties, and mid-to-low credit rating companies seeking to reduce high-interest debt burdens.
- Suitable for representatives of companies preparing for re-startup, those selected for the Hope Return Package, and businesses creating youth employment.
Frequently asked questions
Who is eligible to apply?
This program is for Loan Limit. Details: Small business owners issued disaster confirmation certificates; Small business owners facing temporary management difficulties; Small business owners affected by Homeplus issues; Mid-to-low credit rating small business owners.
How do I apply?
Applications follow the official program notice, which is in Korean. See the source link for the method and receiving office; Beaconoi can prepare an English draft for your review.
Last updated · Source: official program notice
※ Program information is compiled from each institution’s public sources; actual eligibility, amounts and deadlines may change. Always verify against the official notice (in Korean) before applying.