New era in Treasury-supported loan applications: 15-day rule and practices for indebted tradespeople updated
Significant regulations have been implemented for state-supported loans for farmers, tradespeople, and artisans. While the application process for those with tax and social security debts has been tightened, new deduction rates have been introduced for the use of credit by indebted producers.
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Within the scope of a Presidential decree, changes have been made to the practices regarding Treasury-supported investment and operating loans. With the regulation, the conditions for access to credit, particularly for farmers, tradespeople, and artisans, have been redefined.
The decision was published in the Official Gazette dated February 15, 2026, and entered into force. Accordingly, individuals applying for a loan will be required to present a document obtained within a maximum of 15 days prior to the application date, proving that they have no overdue tax or social security premium debts. In cases where debts have been restructured, it will be required that the restructuring remains valid.
The regulation also provides a practice for producers who have debts. In this context, an amount corresponding to the current debt of the person using the loan, up to 25 percent of the financing and credit to be provided, will be transferred to the relevant institutions. The annual upper limit for this transfer has been set at 300 thousand TL.
Furthermore, the discount rate to be applied by the Treasury on the interest of the debt will be 25 percent. Thus, it is aimed to maintain producers' access to financing while ensuring the collection of public receivables.
5 PROMINENT QUESTIONS AND ANSWERS REGARDING THE REGULATION
1 - How is the process carried out for Treasury-supported investment and operating loans for agricultural production, tradespeople, and artisans?
Loans for the financing of agricultural production are provided within the framework of the Presidential Decree dated December 30, 2023, regarding the application of interest discounts by the Ministry of Treasury and Finance, and the communiqué prepared by the Ministry of Agriculture and Forestry and published on May 1, 2024, for its implementation. The provisions of this communiqué are valid for loans to be used in the period between January 1, 2024, and December 31, 2026, and loan disbursement continues.
2 - What conditions are required for individuals within the scope to benefit from the loans?
Provided that they comply with the procedures and principles regarding loan usage, only agricultural production activities carried out or to be carried out within the borders of Turkey are included in the scope. Real and legal persons who are registered in the relevant registration systems of the Ministry of Agriculture and Forestry and who continue their activities can benefit from the application.
3 - How will the process work for those who meet the conditions and those who do not?
With the Presidential Decree dated February 15, 2026, the conditions for eligibility were redefined. Accordingly, applicants must show with a document issued no more than 15 days ago that they have no overdue tax or social security premium debts to tax offices. If the debt has been restructured, it is required that the restructuring has not been voided. Those who do not meet these conditions will not be able to benefit from the loans.
4 - How will the system be applied for individuals who use loans and have debts?
Within the scope of the decree, the debt will be paid based on an amount corresponding to a maximum of 25 percent of the loan provided with Treasury interest support, and independent of the loan amount, provided that it does not exceed a total of 300 thousand TL within one year. Existing debts can be closed through Treasury interest-supported loans.
5 - Are there other opportunities provided to producers under these conditions, and how does the application process proceed?
Loan opportunities are offered in 28 different categories, from animal production to plant production, from beekeeping to aquaculture, and from tractor purchases to irrigation investments, with interest discount rates of up to 100 percent and within the upper limits determined by subject. Producers who wish to benefit from the loan can obtain detailed information by applying to bank branches across Turkey.