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Bank Introduction
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1. Small business policy funds are low-interest loans for small business owners operated by the Small Business Market Promotion Corporation.
2. Direct lending means that small business owners provide loans directly through the small business website.
3. Agency lending means that a bank issues a loan on your behalf.
Consumer sentiment is depressed due to high interest rates and high prices. As the difficult economic situation continues, the hearts of many small business owners across the country are also heavy. Be sure to check out the ‘Small Business Policy Fund’ that lowers the burden on small business owners.
Small business policy funds are low-interest loans for small business owners operated by the Small Business Market Promotion Corporation (Small Business Corporation). We provide various types of loans at low interest rates, including specialized funds for small business owners and youth employment-linked funds.
*What is a small business?
As a small-scale business operator, you must meet both conditions below.
– Based on sales: KRW 12 billion to less than KRW 1 billion by industry
– Standard for full-time workers: manufacturing, construction, transportation, etc. have less than 10 workers, wholesale, retail, service industries, etc. have less than 5 workers.
There are two ways to apply for policy funds for small business: ‘direct loan’ and ‘agent loan.’ So, let’s take a look at how each is different.
Direct loan from policy funds to small business owners
Direct lending means that small business owners provide loans directly through the small business website. After evaluating your credit, Sojingong directly issues a loan. For the digitally vulnerable, we also accept on-site applications at 77 regional centers across the country.
*Types of direct loan for small business policy funds
Innovative growth promotion fund, private investment-linked matching loan, low-credit small business owner fund, special re-challenge fund
Policy fund proxy loan for small business owners
Agency lending literally means executing a loan on your behalf. Depending on need, an additional guarantee from a guarantee agency may be required.
*Types of policy fund proxy loans for small business owners
Small business specialized funds, general funds, emergency management stabilization funds, disabled enterprise support funds, youth employment-linked funds, refinancing loans
So far, we have looked into the differences between direct loans and proxy loans for small business policy funds. If you are a small business owner who meets the conditions, it would be good to utilize policy funds that are appropriate for your situation, right? We hope that you can reduce your debt burden to some extent through policy funds. For more information, please refer to the Small Business Market Promotion Agency website.
*This content was based on data from the Small Business Market Promotion Corporation.
