Kosgeb

What Kosgeb does

KOSGEB (T.C. Küçük ve Orta Ölçekli İşletmeleri Geliştirme ve Destekleme İdaresi Başkanlığı) is the statutory government agency of the Republic of Turkey, established in 1990 and headquartered in Ankara, charged with developing and supporting the country's small and medium-sized enterprises. The organization operates under the Ministry of Industry and Technology and is led by President Ahmet Serdar İbrahimcioğlu. Its core function is to deploy state and multilateral capital into Turkish SMEs through a portfolio of grant and credit programs covering the full enterprise lifecycle — from entrepreneurship (Girişimci Destek Programı, up to 2 million TL) through growth (Kapasite Geliştirme, up to 20 million TL; KOBİ Dijital Dönüşüm, up to 20 million TL) to globalization (Küresel Rekabetçilik, up to 50 million TL) and employment protection (İstihdamı Koruma, up to 50 million TL).

Its product portfolio is supported by a nationwide physical infrastructure of 81 provincial directorates and 39 TEKMER technology development centers, complemented by digital platforms including the KOBİ Bilgi Sistemi (KBS) for SME registration and application management, an e-Hizmetler portal accessed via Turkey's e-Devlet gateway, and an LMS for entrepreneurship training. Specialized offerings include the Teknoloji Merkezi Destek Programı, the SEGEM Sectoral Development Center program, the Yeşil Sanayi (Green Industry) program co-financed by the World Bank, the Stratejik Ürün (Strategic Product) import-substitution program, and Girişim Sermayesi Yatırım Fonları (venture capital fund participation).

KOSGEB's revenue model is non-commercial: the entity is funded through annual Turkish state budget allocations, supplemented by EU COSME/Single Market Programme funding, World Bank co-financing, and a network of 15 partner banks plus the Credit Guarantee Fund (KGF). All programs are provided free of charge or at subsidized interest rates to beneficiaries. Its strategic plan for 2024–2028 articulates a vision of being "lean, accessible, and digital," with recent expansion into venture capital co-investment, bilateral SME cooperation with Bulgaria and France, and a 100 billion TL manufacturing finance program for 2026 signaling an aggressive scaling of mandate and budget.

Name

Kosgeb

Legal name

T.C. Küçük ve Orta Ölçekli İşletmeleri Geliştirme ve Destekleme İdaresi Başkanlığı

Website

http://www.kosgeb.gov.tr/

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

KOSGEB is Turkey's statutory government agency (under the Ministry of Industry and Technology) that supports the country's SMEs and entrepreneurs through grant programs, credit financing, technology development centers, and digital service platforms. It operates 81 provincial directorates and 39 TEKMERs, funded by the state budget, EU programs, and partner banks.

Ownership category

akta.pro rank

Product category

SME Development and Support Services

NAICS

Grantmaking and Giving Services (81321), Mortgage and Nonmortgage Loan Brokers (52231), Business Schools and Computer and Management Training (6114)

SIC

Short-Term Business Credit Institutions (6153), Finance Services (6199), Loan Brokers (6163)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

akta.pro secondary industries

SME & Entrepreneurship Development (Trade-Linked) (BPADAMAE), Small Business Debt Consolidation & Refinance (Owner/SME) (FSAKAIAI), Small Business & Entrepreneurship Community Education (EDAAAFAK), Entrepreneurship Foundations & Startup Basics (EDAMAHAA)

Keywords

• SME support programs
• Government grant financing
• Entrepreneurship support
• Technology incubation centers
• SME digital transformation

Headquarters

HQ city

Ankara

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Others, Personnel, Operations, Infrastructure, Technology or R&D

Revenue model

1. Government Budget Allocation: KOSGEB operates as a government agency funded through annual state budget allocations from the Republic of Turkey. The organization provides financial support, grants, and credit financing to SMEs and entrepreneurs rather than generating commercial revenue.
2. International Funding Programs: KOSGEB manages EU-funded programs including COSME (Competitiveness of Enterprises and Small and Medium-sized Enterprises) and coordinates Turkey's participation in European Single Market Programs. These international partnerships provide additional funding streams for SME support activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

KOSGEB is a Turkish government agency that develops and supports small and medium-sized enterprises (SMEs) and entrepreneurs. It provides grants, reimbursable/non-reimbursable financing, subsidized credit, training, mentoring, and incubation services across the full business lifecycle from startup to global expansion.

Product overview

KOSGEB (T.C. Küçük ve Orta Ölçekli İşletmeleri Geliştirme ve Destekleme İdaresi Başkanlığı) is Turkey's government agency for small and medium enterprise development. Its product portfolio is organized as a multi-stage support ecosystem comprising: (1) Entrepreneur Support Programs including the Girişimci Destek Programı and its Kredi Finansman Desteği sub-component; (2) Growth and Scale-up Programs including Kapasite Geliştirme Destek Programı (up to 20M TL), Küresel Rekabetçilik Destek Programı (up to 50M TL), and KOBİ Dijital Dönüşüm Destek Programı (up to 20M TL); (3) Specialized Support Programs including İstihdamı Koruma Destek Programı, Stratejik Ürün Destek Programı, and Yeşil Sanayi Destek Programı (World Bank funded); (4) Platform Infrastructure including 39 TEKMER Technology Development Centers, SEGEM Sectoral Development Centers, and the KOBİ Bilgi Sistemi (KBS) digital platform; and (5) European Union Programs through the coSME Türkiye project. All programs operate in coordination with partner banks (Ziraat Bank, VakıfBank, Halkbank, Garanti BBVA, Akbank, and others), KGF, and government ministries.

Differentiator

Problem solved

Functional benefit

Products and services

• Girişimci Destek Programı (Entrepreneur Support Program) Supports entrepreneurs establishing new businesses and developing existing ones. Offers reimbursable financing up to 1.5 million TL at 80% support rate, plus an additional 150,000 TL for women, youth, disabled, veterans, or first-degree martyr relatives. Covers personnel, machinery, equipment, software, and service procurement expenses.
• Kapasite Geliştirme Destek Programı (Capacity Development Support Program) Supports SMEs in scaling up investments to increase productivity, production capacity, market share, and institutional strength. Provides interest-free financing support covering up to 20 percentage points of credit costs, with credit range 1–20 million TL over 24-month project and 36-month credit maturity periods.
• Küresel Rekabetçilik Destek Programı (Global Competitiveness Support Program) Supports SMEs that have scaled up and are ready for globalization, providing financing up to 50 million TL to enhance international competitiveness and export capabilities.
• KOBİ Dijital Dönüşüm Destek Programı (SME Digital Transformation Support Program) Supports SMEs in strengthening their digital infrastructure, providing up to 20 million TL in financing to adopt digital technologies, automate processes, and integrate digital solutions into business operations.
• İstihdamı Koruma Destek Programı (Employment Protection Support Program) Supports manufacturing sector businesses in maintaining employment and accessing finance, providing up to 50 million TL in financing in cooperation with 15 partner banks to protect jobs and ensure production continuity.
• Teknoloji Merkezi Destek Programı (Technology Center Support Program) Provides 10-year continuous support to technology centers (TEKMERs) and Entrepreneur Offices covering establishment, performance, and acceleration components. Offers 100% non-reimbursable support up to 5 million TL annually per support heading for personnel, software, training, consulting, organization, and promotion expenses.
• Sektörel Gelişim Merkezi (SEGEM) Destek Programı (Sectoral Development Center Support Program) Establishes and strengthens Sectoral Development Centers that provide training and consulting to SMEs on institutionalization, production and management process improvement, technology adaptation, digital transformation, lean manufacturing, and green transformation. Covers personnel, software, training, consulting, organization, and promotion expenses at 100% non-reimbursable rate, up to 5 million TL annually over 10 years.
• Yeşil Sanayi Destek Programı (Green Industry Support Program) Supports industrial SMEs in decarbonizing energy systems, adopting environmentally friendly technologies, and improving energy efficiency. Includes solar energy system installation support (up to 14 million TL, 60–90% support rate) and clean circular economy initiatives (up to 4 million TL, 70% support rate) funded by the World Bank.
• YÖNDE – Yönderlik ve Değerlendirme Destek Programı (Mentoring and Evaluation Support Program) Provides mentoring and evaluation support to SMEs to enhance their management capabilities, strategic planning, and operational efficiency through structured mentoring programs.
• Stratejik Ürün Destek Programı (Strategic Product Support Program) Supports domestic production of strategic products that are currently imported, providing financing to help SMEs develop and manufacture products domestically to reduce import dependency.
• Refinansman Kefalet Programı (Refinancing Guarantee Program) Implemented in coordination with the Credit Guarantee Fund (KGF) and partner banks, this program provides refinancing guarantee support to improve SMEs' access to credit and financial restructuring opportunities.
• Girişim Sermayesi Yatırım Fonları (Venture Capital Investment Funds) KOSGEB participates in venture capital investment funds to improve SMEs' access to finance and support technology-based entrepreneurship by co-investing in innovation-focused startups and growth-stage companies.
• İmalat Sanayi Finansmanı ve İstihdamı Koruma Programı (Manufacturing Industry Financing and Employment Protection Program) Comprehensive financing program for the manufacturing industry launched in cooperation with the Ministry of Industry and Technology, Ministry of Labor, ISKUR, and 15 banks. Provides a 100 billion TL total financing target for 2026, including performance support and financing support for manufacturing sector SMEs and large enterprises.
• KOBİ Bilgi Sistemi – KBS (SME Information System) KOSGEB's primary digital platform for SMEs to register, submit business declarations, apply for support programs, track application status, and manage their relationship with KOSGEB online.
• coSME Türkiye Teknik Destek Projesi (COSME Turkey Technical Support Project) European Union-funded project coordinated by KOSGEB under the Single Market Programme (COSME), supporting Turkish SMEs' competitiveness through access to finance, market access, framework conditions improvement, and entrepreneurship culture development.

Quantifiable outcome

• 40,000 SMEs supported annually with 8 billion TL in financing
• +4 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Twelve partnerships are on record, tiered strategic and core.

• Bulgaristan Küçük ve Orta Ölçekli İşletmeler Destek Ajansı (BSMEPA)strategicStrategic or Co-development Partner · 23 March 2023Bilateral cooperation agreement signed between KOSGEB and BSMEPA during Turkey-Bulgaria Business Forum in Burgaz. Aimed at strengthening SME-to-SME commercial relations between the two countries. Turkey-Bulgaria trade corridor is significant as majority of Turkey-EU land trade passes through Bulgaria.
• BPI FRANCEstrategicStrategic or Co-development Partner · 1 January 2023Cooperation protocol signed between KOSGEB and BPI FRANCE (French Public Investment Bank). Study visit to France under COSME Turkey Project included meetings with French institutions including Business France, CPME-France SME Confederation, Station F Paris Start-up Campus, and OECD.
• European Commission / DG GROWcoreStrategic or Co-development Partner · 16 May 2019COSME Turkey Technical Support Project coordination with European Commission Directorate-General for Internal Market, Industry, Entrepreneurship and SMEs. Turkey's participation agreement for Single Market Programme 2021-2027 signed enabling Turkish SMEs access to European business networks and markets.
• Sermaye Piyasası Kurulu (SPK)coreStrategic or Co-development PartnerCooperation protocol signed between KOSGEB and Capital Markets Board (SPK) to raise awareness among SMEs about capital markets and financial instruments. Joint initiative to help SMEs access alternative financing sources.
• Türkiye İhracatçılar Meclisi (TİM)coreStrategic or Co-development PartnerStrategic partner for export-oriented SME support. Joint programs include 'Türkiye'nin Girişimcileri Yarışması' (Entrepreneurs of Turkey Competition) and support for first-time exporters with up to 300,000 TL.
• DEİK (Dış Ekonomik İlişkiler Kurulu)coreStrategic or Co-development PartnerBusiness Council of Turkey (DEİK) partnership protocol signed to support Turkish SMEs' internationalization. DEİK's Business Council Programs included in KOSGEB's international support coverage.
• TÜBİTAKcoreStrategic or Co-development PartnerNational science and technology agency partnership. KOSGEB coordinates with TÜBİTAK for 1501 (Industry R&D Projects Support Program) and 1507 (SME R&D Start-up Support Program) with KOSGEB providing complementary support. Fast-growing business criteria waived for businesses with successful KOSGEB or TÜBİTAK R&D project completion.
• Sanayi ve Teknoloji BakanlığıcoreStrategic or Co-development PartnerMinistry of Industry and Technology partnership for İmalat Sanayi Finansmanı ve İstihdamı Koruma Programı (Manufacturing Industry Financing and Employment Protection Program). Joint program with Çalışma ve Sosyal Güvenlik Bakanlığı and İŞKUR targeting 100 billion TL financing for manufacturing sector.
• Çalışma ve Sosyal Güvenlik Bakanlığı / İŞKURcoreStrategic or Co-development PartnerMinistry of Labor and Social Security / İŞKUR partnership for employment protection support program. Joint implementation to protect employment in manufacturing sector through performance-based support payments.
• Türkiye Kadın Girişimciler Derneği (KAGİDER)strategicStrategic or Co-development PartnerPartnership for women's entrepreneurship empowerment. KAGİDER implements Women Exporters Program supported by UPS, providing export training and mentorship to women entrepreneurs. Joint protocol to strengthen women's economic participation and business digitalization.
• İstanbul Sanayi Odası (İSO)strategicChannel Partner/ Reseller/ DistributorPartnership with Istanbul Chamber of Industry for KOBİ'ler İçin Destek ve Dönüşüm (Support and Transformation for SMEs) program meetings. Hosted February 28, 2025 meeting for regional industry engagement.
• İTKİB (İhracatçı Birlikleri)strategicChannel Partner/ Reseller/ DistributorPartnership with Istanbul Minerals and Metals Exporters Association for March 17, 2025 regional meeting at TIM Center to promote export-oriented support programs.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Business Development Bank of Canada (BDC): Canadian crown corporation providing financing, growth capital, and advisory services to SMBs. Comparable product mix (term loans, venture capital, advisory) and government-backed mandate serving SMEs.
• Bpifrance: France's public investment bank supporting SMEs through financing, guarantees, and equity. Already a KOSGEB cooperation partner; offers near-identical product mix (loans, guarantees, innovation funding, export support) under a similar government-backed model.
• SME Corporation Malaysia: Malaysia's central coordinating agency for SME development policy, financing programs, and capacity building. Comparable role as a statutory national SME authority with multi-program lifecycle support.
• U.S. Small Business Administration: The U.S. federal agency mandated to support American small businesses through loan guarantees, grants, and contracting programs. Closest functional analog to KOSGEB — both are statutory national SME development agencies with nationwide infrastructure.
• British Business Bank: UK government-owned development bank providing finance to smaller businesses through partner banks and direct programs. Comparable mandate, partner-bank distribution model, and program-by-program support ecosystem.
• Enterprise Singapore: Singapore's government agency supporting enterprise growth through financing, capability development, and internationalization. Comparable integrated mandate spanning grants, loans, and ecosystem-building programs.
• Small Enterprise Development Agency (SEDA) South Africa: South Africa's government agency for small enterprise development, providing non-financial and financial support to SMEs. Comparable role as national SME support agency with branch network across provinces.
• KfW Group: Germany's state-owned development bank offering SME financing, innovation support, and green industry funding. Comparable product architecture (interest-subsidized loans, innovation grants, sustainability programs) and government mandate.

Broad incumbents

• European Investment Fund (EIF): EU-level SME financing vehicle providing guarantees, securitization, and equity/venture capital to banks and funds supporting SMEs across Europe. Comparable SME focus but operates supranationally rather than as a single-country agency.

Emerging players

• TÜBİTAK: Turkey's national science and technology agency, which coordinates with KOSGEB on R&D support programs (1501, 1507). Comparable as a complementary Turkish public R&D/innovation support institution; overlaps on tech-venture support but focuses on R&D rather than general SME financing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/kosgeb
• Facebookfacebook.com/kosgebim

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments16 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kosgeb