New Era for Treasury-Supported Loans for Farmers and Artisans

A transformative period has officially begun for Turkey’s agricultural producers and small business owners. Following a Presidential Decree published in the Official Gazette on February 15, 2026, the framework for Treasury-supported investment and operational loans has been overhauled. The new regulations offer a lifeline to indebted producers, featuring flexible repayment terms and interest rate discounts that can reach 100% in certain sectors.

Breaking the Debt Cycle: Easier Access to Financing

The most significant change in the new decree addresses the barriers faced by producers with existing liabilities. Under the updated rules, individuals with outstanding tax or social security (SGK) debts can still access credit, provided the debt is manageable. Specifically, up to 25% of the new loan amount can be directly transferred to relevant government offices to settle overdue balances. This debt-clearing mechanism is capped at 300,000 TL per year, ensuring that even those currently in arrears can restart their production cycles with fresh capital.

28 Categories and Zero-Interest Opportunities

The scope of the support is vast, covering 28 distinct agricultural and commercial headings. Whether it is livestock breeding, crop production, beekeeping, or the purchase of modern equipment like tractors and irrigation systems, the government is slashing costs. Depending on the sector and specific criteria, the Treasury’s interest subsidy scales up significantly, reaching 100% for high-priority agricultural activities.

Critical Eligibility Criteria for 2026

To benefit from these subsidized rates, applicants must navigate a specific verification process:

• Clean Slate Documentation: Applicants must provide a document (obtained within the last 15 days) proving they have no overdue tax or SGK premiums.

• Restructuring Status: If previous debts were restructured, the applicant must demonstrate that the agreement remains in good standing.

• National Production: Financing is reserved solely for activities conducted within Turkey’s borders and by entities registered in the Ministry of Agriculture’s official systems.

The current regulations apply to all loans issued between January 1, 2024, and December 31, 2026, making this a long-term strategic pillar for national production.