Bank loans and KOSGEB support for a cafe
What the bank looks at, installments on a 2m ₺ loan by term, grace periods, what to hand the bank and the steps of KOSGEB entrepreneur support.
FIZIBI editorial team min readUpdated 6 September 2026Editorial policy
What does a bank look at in a cafe project?
The banker does not read your dream, they read repayment capacity. They want three things: (1) an equity share of at least 30-40% of the total investment; (2) yearly earnings that comfortably cover yearly installments (DSCR of at least 1.3: 130 ₺ earned for every 100 ₺ of installments); (3) collateral or a KGF guarantee. A new business has no balance sheet, so first loans are usually given against the founder's personal guarantee plus KGF.
How much loan, how much installment?
In 2026 commercial loan rates sit around 40-55% a year; BSMV (5%) is added on top of interest, and KKDF is not charged on commercial credit. A 45% rate becomes 47.25% with BSMV. Approximate installments on a 2 million ₺ loan:
| Term | Monthly installment (45% + BSMV) | Total interest |
|---|---|---|
| 24 months | ≈ 130,000 ₺ | ≈ 1.1m ₺ |
| 36 months | ≈ 105,000 ₺ | ≈ 1.8m ₺ |
| 48 months | ≈ 93,000 ₺ | ≈ 2.5m ₺ |
| 60 months | ≈ 87,000 ₺ | ≈ 3.2m ₺ |
A longer term lowers the installment but nearly triples total interest. Sales are not settled in the opening months, so ask for a grace period (3-6 months interest-only); in your FIZIBI report you can change term and grace yourself and see the installment.
What do you hand the bank?
- The full feasibility report, especially the "Summary for the bank" box in the Funding chapter (total need, equity, loan, monthly installment, DSCR, cash trough).
- The 36-month P&L and cash flow (chapters 8 and 9).
- Lease or pre-agreement, fit-out and equipment quotes.
- Company registration documents and tax plate; personal income and asset statements if you have them.
- The KGF guarantee is applied for by the bank itself; you only need to say "I want a KGF guarantee".
How does KOSGEB entrepreneur support work?
KOSGEB gives new businesses two kinds of support: grants (setup support and performance support that grows with the people you employ) and an interest-free, repayable equipment loan. In 2026 the total typically lands between 300k and 1.5m ₺. Conditions:
- Complete the free online Entrepreneurship Training and get the certificate.
- Register the company; you apply after it exists.
- Register in the KOSGEB database and upload your business plan.
- Approval takes 3-6 months; the money may not arrive before opening. That is why FIZIBI shows KOSGEB in funding sources, not in opening cash flow.
Higher rates apply to women, young (18-30), disabled and veteran-family entrepreneurs. Details are in KOSGEB's current implementation rules; amounts change yearly.
Checklist before you borrow
- Is the report's DSCR above 1.3 every year? If not, lengthen the term, add a grace period or borrow less.
- Does the loan exceed 60% of the total investment? If so the bank will most likely decline.
- Are installments covered in the pessimistic scenario? (Report chapter 10)
- Is the loan in foreign currency? FX loans between residents are heavily restricted; borrow in lira.
- Read the early-repayment penalty and file fees in the contract.
Add this step to your feasibility.
Answer the questions; get your 36-month projection and investor deck.
Start free