{"id":62961,"date":"2026-11-02T18:59:44","date_gmt":"2026-11-02T15:59:44","guid":{"rendered":"https:\/\/www.karekod.org\/blog\/?p=62961"},"modified":"2026-11-02T19:03:49","modified_gmt":"2026-11-02T16:03:49","slug":"nefes-kredisi","status":"publish","type":"post","link":"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/","title":{"rendered":"TOBB Nefes Kredisi 2026: Ba\u015fvuru \u015eartlar\u0131, Faiz Oranlar\u0131 ve 5 Milyon TL Kredi Limiti (G\u00fcncel)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>2 Kas\u0131m 2026 itibar\u0131yla<\/strong> TOBB Nefes Kredisi&#8217;nde yeni d\u00f6nem ba\u015fl\u0131yor. T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB), Kredi Garanti Fonu (KGF) ve anla\u015fmal\u0131 bankalar\u0131n i\u015f birli\u011fiyle haz\u0131rlanan <strong>50 milyar TL&#8217;lik yeni kredi dilimi, 3 Kas\u0131m 2026 Sal\u0131 g\u00fcn\u00fc ba\u015fvuruya a\u00e7\u0131lacak.<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Yeni d\u00fczenlemeyle i\u015fletme ba\u015f\u0131na kredi \u00fcst limiti 3 milyon TL&#8217;den 5 milyon TL&#8217;ye y\u00fckseltildi.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">2026 Nefes Kredisi kapsam\u0131nda i\u015fletmeler, 6 ay anapara \u00f6demesiz d\u00f6nem d\u00e2hil 48 aya kadar vadeden yararlanabilecek. Y\u0131ll\u0131k faiz oran\u0131 24 aya kadar vadelerde %36, daha uzun vadelerde ise %34 olacak. Haziran ay\u0131ndan bu yana 45 milyar TL kredi kulland\u0131r\u0131l\u0131rken yeni finansman hedefiyle y\u0131l i\u00e7indeki toplam potansiyel kredi hacmi 95 milyar TL&#8217;ye ula\u015fabilecek.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0130\u00e7indekiler<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#TOBB_Nefes_Kredisi_2026_%E2%80%93_Hizli_Ozet\" >TOBB Nefes Kredisi 2026 \u2013 H\u0131zl\u0131 \u00d6zet<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Nefes_Kredisi_Nedir\" >Nefes Kredisi Nedir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Nefes_Kredisi_Basvurusu_Nasil_Yapilir\" >Nefes Kredisi Ba\u015fvurusu Nas\u0131l Yap\u0131l\u0131r?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Nefes_Kredisi_Veren_Bankalar_Kasim_2026\" >Nefes Kredisi Veren Bankalar Kas\u0131m 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Nefes_Kredisi_Faiz_Oranlari_2026\" >Nefes Kredisi Faiz Oranlar\u0131 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Nefes_Kredisi_5_Milyon_TL_Limitine_Nasil_Tamamlanir\" >Nefes Kredisi 5 Milyon TL Limitine Nas\u0131l Tamamlan\u0131r?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Nefes_Kredisi_Yillara_Gore_Nasil_Degisti_2016%E2%80%932026\" >Nefes Kredisi Y\u0131llara G\u00f6re Nas\u0131l De\u011fi\u015fti? (2016\u20132026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Dunyada_Nefes_Kredisine_Benzer_Finansman_Modelleri\" >D\u00fcnyada Nefes Kredisine Benzer Finansman Modelleri<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Turkiye_ve_Dunyada_KOBI_Kredisi_Karsilastirmasi\" >T\u00fcrkiye ve D\u00fcnyada KOB\u0130 Kredisi Kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Nefes_Kredisi_Isletmelere_Ne_Sagliyor\" >Nefes Kredisi \u0130\u015fletmelere Ne Sa\u011fl\u0131yor?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Karekod_Blog_Editor_Yorumu\" >Karekod Blog Edit\u00f6r Yorumu<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#TOBB_Nefes_Kredisi_Hakkinda_Sikca_Sorulan_Sorular\" >TOBB Nefes Kredisi Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.karekod.org\/blog\/nefes-kredisi\/#Kaynaklar\" >Kaynaklar<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"TOBB_Nefes_Kredisi_2026_%E2%80%93_Hizli_Ozet\"><\/span>TOBB Nefes Kredisi 2026 \u2013 H\u0131zl\u0131 \u00d6zet<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Kredi bilgisi<\/th><th>Kas\u0131m 2026<\/th><\/tr><tr><td>Ba\u015fvuru ba\u015flang\u0131c\u0131<\/td><td>3 Kas\u0131m 2026 Sal\u0131<\/td><\/tr><tr><td>Firma ba\u015f\u0131na kredi \u00fcst limiti<\/td><td><strong>5.000.000 TL<\/strong><\/td><\/tr><tr><td>Yeni kredi dilimi<\/td><td>50 milyar TL<\/td><\/tr><tr><td>Haziran\u2013Ekim ger\u00e7ekle\u015fen kredi hacmi<\/td><td>45 milyar TL<\/td><\/tr><tr><td>Yeni dilim ger\u00e7ekle\u015firse toplam<\/td><td>95 milyar TL<\/td><\/tr><tr><td>Azami kredi vadesi<\/td><td>48 ay<\/td><\/tr><tr><td>Anapara \u00f6demesiz s\u00fcre<\/td><td>6 ay<\/td><\/tr><tr><td>24 aya kadar y\u0131ll\u0131k faiz<\/td><td>%36<\/td><\/tr><tr><td>24 ay \u00fczeri y\u0131ll\u0131k faiz<\/td><td>%34<\/td><\/tr><tr><td>Kefalet<\/td><td>KGF \u00d6zkaynak Kefalet Program\u0131<\/td><\/tr><tr><td>Ba\u015fvuru kanal\u0131<\/td><td>Anla\u015fmal\u0131 bankalar<\/td><\/tr><tr><td>Temel ba\u015fvuru ko\u015fulu<\/td><td>TOBB&#8217;a ba\u011fl\u0131 oda veya borsa \u00fcyeli\u011fi<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-2026-Ozeti-1049x590.webp\" alt=\"TOBB Nefes Kredisi 2026\" class=\"wp-image-62963\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-2026-Ozeti-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-2026-Ozeti-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-2026-Ozeti-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-2026-Ozeti-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-2026-Ozeti-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-2026-Ozeti-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-2026-Ozeti.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">TOBB Nefes Kredisi 2026<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Not:<\/strong> \u00dcst limit, her i\u015fletmeye otomatik olarak 5 milyon TL kredi verilece\u011fi anlam\u0131na gelmiyor. Kulland\u0131r\u0131lacak tutar, bankan\u0131n kredi de\u011ferlendirmesine ve program limitlerine ba\u011fl\u0131.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nefes_Kredisi_Nedir\"><\/span>Nefes Kredisi Nedir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">TOBB Nefes Kredisi, k\u00fc\u00e7\u00fck ve orta b\u00fcy\u00fckl\u00fckteki i\u015fletmelerin finansmana eri\u015fimini kolayla\u015ft\u0131rmak amac\u0131yla olu\u015fturulmu\u015f bir kredi program\u0131d\u0131r. TOBB, ba\u011fl\u0131 oda ve borsalar, Kredi Garanti Fonu ve kat\u0131l\u0131mc\u0131 bankalar\u0131n i\u015f birli\u011fiyle y\u00fcr\u00fct\u00fcl\u00fcr.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Program\u0131n temel amac\u0131, i\u015fletmelerin \u00fcretim faaliyetlerini s\u00fcrd\u00fcrebilmeleri, personel giderlerini kar\u015f\u0131layabilmeleri ve g\u00fcnl\u00fck ticari i\u015flemler i\u00e7in ihtiya\u00e7 duyduklar\u0131 i\u015fletme sermayesine ula\u015fabilmeleridir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">KGF kefaleti, bankalar\u0131n kredi kulland\u0131r\u0131rken \u00fcstlendikleri riskin belirli b\u00f6l\u00fcm\u00fcn\u00fc g\u00fcvence alt\u0131na alarak finansmana eri\u015fimi kolayla\u015ft\u0131rmay\u0131 ama\u00e7lar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bununla birlikte Nefes Kredisi, bir hibe veya geri \u00f6demesiz devlet yard\u0131m\u0131 de\u011fildir. Kredi kullanan i\u015fletme, s\u00f6zle\u015fmede belirtilen faiz ve di\u011fer y\u00fck\u00fcml\u00fcl\u00fcklerle birlikte borcunu geri \u00f6demek zorundad\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nefes_Kredisi_Basvurusu_Nasil_Yapilir\"><\/span>Nefes Kredisi Ba\u015fvurusu Nas\u0131l Yap\u0131l\u0131r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">3 Kas\u0131m 2026 tarihinde ba\u015flayacak ba\u015fvurular, do\u011frudan programa kat\u0131lan bankalar \u00fczerinden yap\u0131labilecek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ba\u015fvuru s\u00fcreci genel olarak \u015fu ad\u0131mlardan olu\u015fuyor:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1047\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-Basvuru-Rehberi-1047x590.webp\" alt=\"TOBB Nefes Kredisi Bas\u0327vuru Rehberi\" class=\"wp-image-62965\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-Basvuru-Rehberi-1047x590.webp 1047w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-Basvuru-Rehberi-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-Basvuru-Rehberi-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-Basvuru-Rehberi-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-Basvuru-Rehberi-1100x620.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-Basvuru-Rehberi-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/TOBB-Nefes-Kredisi-Basvuru-Rehberi.webp 1200w\" sizes=\"(max-width: 1047px) 100vw, 1047px\" \/><figcaption class=\"wp-element-caption\">TOBB Nefes Kredisi Bas\u0327vuru Rehberi<\/figcaption><\/figure>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u0130\u015fletmenin TOBB&#8217;a ba\u011fl\u0131 ticaret odas\u0131, sanayi odas\u0131 veya ticaret borsas\u0131 \u00fcyeli\u011fi kontrol edilir.<\/li>\n\n\n\n<li>Ba\u011fl\u0131 olunan kurumdan Nefes Kredisi i\u00e7in gerekli faaliyet belgesi temin edilir.<\/li>\n\n\n\n<li>Programa kat\u0131lan bankalardan birine ba\u015fvuru yap\u0131l\u0131r.<\/li>\n\n\n\n<li>Banka, firman\u0131n finansal durumunu ve krediye uygunlu\u011funu de\u011ferlendirir.<\/li>\n\n\n\n<li>Ba\u015fvurunun onaylanmas\u0131 h\u00e2linde kredi s\u00f6zle\u015fmesi ve \u00f6deme plan\u0131 haz\u0131rlan\u0131r.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Faaliyet belgesine ili\u015fkin i\u015flemler oda ve borsalara g\u00f6re farkl\u0131l\u0131k g\u00f6sterebilir. Baz\u0131 kurumlar bu belgeyi \u00e7evrim i\u00e7i olarak da sunuyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi i\u00e7in gerekli belgeler<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6nceki d\u00f6nemlerin oda ve borsa duyurular\u0131 dikkate al\u0131nd\u0131\u011f\u0131nda ba\u015fvuru i\u00e7in ba\u015fl\u0131ca \u015fu belgeler g\u00fcndeme gelebiliyor:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nefes Kredisi amac\u0131yla d\u00fczenlenmi\u015f faaliyet belgesi<\/li>\n\n\n\n<li>Vergi levhas\u0131 ve i\u015fletmenin kimlik bilgileri<\/li>\n\n\n\n<li>\u0130mza sirk\u00fcleri veya imza beyannamesi<\/li>\n\n\n\n<li>Bankan\u0131n talep etti\u011fi mali tablolar<\/li>\n\n\n\n<li>\u015eirketin t\u00fcr\u00fcne g\u00f6re yetki ve temsil belgeleri<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Bunlar haz\u0131rl\u0131k ama\u00e7l\u0131 genel belgelerdir. <strong>Kas\u0131m 2026 dilimine ili\u015fkin kesin belge listesi ve olas\u0131 ek ko\u015fullar, ba\u015fvurulacak bankadan teyit edilmelidir.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nefes_Kredisi_Veren_Bankalar_Kasim_2026\"><\/span>Nefes Kredisi Veren Bankalar Kas\u0131m 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">TOBB&#8217;un 1 Kas\u0131m 2026 tarihli a\u00e7\u0131klamas\u0131na g\u00f6re yeni kredi dilimine sekiz banka kat\u0131l\u0131yor.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Banka<\/th><th>Kas\u0131m 2026 ba\u015fvurusu<\/th><\/tr><tr><td>Ziraat Bankas\u0131<\/td><td>Ba\u015fvuru yap\u0131labilir<\/td><\/tr><tr><td>Halkbank<\/td><td>Ba\u015fvuru yap\u0131labilir<\/td><\/tr><tr><td>Vak\u0131fBank<\/td><td>Ba\u015fvuru yap\u0131labilir<\/td><\/tr><tr><td>DenizBank<\/td><td>Ba\u015fvuru yap\u0131labilir<\/td><\/tr><tr><td>Garanti BBVA<\/td><td>Ba\u015fvuru yap\u0131labilir<\/td><\/tr><tr><td>Yap\u0131 Kredi<\/td><td>Ba\u015fvuru yap\u0131labilir<\/td><\/tr><tr><td>QNB<\/td><td>Ba\u015fvuru yap\u0131labilir<\/td><\/tr><tr><td>Ziraat Kat\u0131l\u0131m<\/td><td>Ba\u015fvuru yap\u0131labilir<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Not:<\/strong> Bankalar\u0131n kredi tahsis s\u00fcre\u00e7leri, \u015fube uygulamalar\u0131 ve ba\u015fvuru talepleri farkl\u0131la\u015fabilir. Haziran 2026 d\u00f6neminde yer alan Akbank, kas\u0131m ay\u0131 i\u00e7in yay\u0131mlanan sekiz bankal\u0131k resm\u00ee listede bulunmuyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nefes_Kredisi_Faiz_Oranlari_2026\"><\/span>Nefes Kredisi Faiz Oranlar\u0131 2026<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni kredi diliminde faiz oranlar\u0131 iki farkl\u0131 vade aral\u0131\u011f\u0131na g\u00f6re belirlendi.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Kredi vadesi<\/th><th>Y\u0131ll\u0131k faiz oran\u0131<\/th><\/tr><tr><td>12 ay<\/td><td>%36<\/td><\/tr><tr><td>18 ay<\/td><td>%36<\/td><\/tr><tr><td>24 ay<\/td><td>%36<\/td><\/tr><tr><td>36 ay<\/td><td>%34<\/td><\/tr><tr><td>48 ay<\/td><td>%34<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Faiz bilgisi:<\/strong> Tablodaki oranlar TOBB taraf\u0131ndan a\u00e7\u0131klanan y\u0131ll\u0131k oranlard\u0131r. Bankan\u0131n d\u00fczenleyece\u011fi \u00f6deme plan\u0131nda faiz, vergi ve komisyonlar\u0131n toplam maliyet \u00fczerindeki etkisi ayr\u0131ca incelenmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi 6 Ay \u00d6demesiz mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kas\u0131m 2026 Nefes Kredisi&#8217;nde ilk 6 ay i\u00e7in <strong>anapara \u00f6demesiz d\u00f6nem<\/strong> uygulanabilecek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak bu uygulama, kredinin ilk 6 ay boyunca faizsiz oldu\u011fu anlam\u0131na gelmiyor. Faiz \u00f6demelerinin hangi tarihlerde yap\u0131laca\u011f\u0131 ve \u00f6demesiz d\u00f6nemde tahakkuk eden faizin nas\u0131l hesaplanaca\u011f\u0131, banka taraf\u0131ndan haz\u0131rlanacak \u00f6deme plan\u0131nda g\u00f6r\u00fclmelidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ayr\u0131ca 48 ayl\u0131k azami vade, 6 ayl\u0131k anapara \u00f6demesiz s\u00fcreyi de i\u00e7eriyor. Dolay\u0131s\u0131yla 6 ay\u0131n \u00fczerine ayr\u0131ca 48 ay eklenmiyor.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nefes_Kredisi_5_Milyon_TL_Limitine_Nasil_Tamamlanir\"><\/span>Nefes Kredisi 5 Milyon TL Limitine Nas\u0131l Tamamlan\u0131r?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kas\u0131m d\u00f6neminin en \u00f6nemli yeniliklerinden biri, daha \u00f6nce kredi kullanan i\u015fletmelere ilave finansman imk\u00e2n\u0131 sunulmas\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">TOBB a\u00e7\u0131klamas\u0131na g\u00f6re 2026 y\u0131l\u0131nda \u00f6nceki dilimlerden yararlanm\u0131\u015f i\u015fletmeler, toplam kulland\u0131klar\u0131 kredi tutar\u0131n\u0131 5 milyon TL&#8217;ye tamamlamak amac\u0131yla yeni kredi ba\u015fvurusu yapabilecek.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>2026&#8217;da daha \u00f6nce kullan\u0131lan kredi<\/th><th>Talep edilebilecek ilave tutar<\/th><\/tr><tr><td>500.000 TL<\/td><td>4.500.000 TL<\/td><\/tr><tr><td>1.000.000 TL<\/td><td>4.000.000 TL<\/td><\/tr><tr><td>1.500.000 TL<\/td><td>3.500.000 TL<\/td><\/tr><tr><td>2.000.000 TL<\/td><td>3.000.000 TL<\/td><\/tr><tr><td>2.500.000 TL<\/td><td>2.500.000 TL<\/td><\/tr><tr><td>3.000.000 TL<\/td><td>2.000.000 TL<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00d6rnek:<\/strong> Haziran 2026 d\u00f6neminde 3 milyon TL Nefes Kredisi kullanan bir i\u015fletme, kas\u0131m d\u00f6neminde 2 milyon TL ilave kredi i\u00e7in ba\u015fvurabilir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tablodaki tutarlar, 5 milyon TL&#8217;lik toplam s\u0131n\u0131rdan \u00f6nceki kullan\u0131m\u0131n \u00e7\u0131kar\u0131lmas\u0131yla hesaplanm\u0131\u015ft\u0131r. \u0130lave kredi kullan\u0131m\u0131 otomatik bir hak de\u011fil, yeniden de\u011ferlendirmeye tabi bir ba\u015fvuru imk\u00e2n\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nefes_Kredisi_Yillara_Gore_Nasil_Degisti_2016%E2%80%932026\"><\/span>Nefes Kredisi Y\u0131llara G\u00f6re Nas\u0131l De\u011fi\u015fti? (2016\u20132026)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">TOBB Nefes Kredisi, farkl\u0131 ekonomik d\u00f6nemlerde de\u011fi\u015fen faiz, vade ve kredi limitleriyle uyguland\u0131. \u0130lk d\u00f6nemlerde daha s\u0131n\u0131rl\u0131 finansman sa\u011flayan program, sonraki y\u0131llarda milyonlarca liral\u0131k i\u015fletme kredilerine d\u00f6n\u00fc\u015fen paketler i\u00e7erdi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00d6zellikle 2020 ve 2021 y\u0131llar\u0131nda salg\u0131n\u0131n i\u015fletmeler \u00fczerindeki ekonomik etkilerinin azalt\u0131lmas\u0131 ama\u00e7lan\u0131rken 2025 ve 2026 programlar\u0131nda i\u015fletme sermayesi ihtiyac\u0131 ve finansmana eri\u015fim sorunu \u00f6ne \u00e7\u0131kt\u0131.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1049\" height=\"590\" src=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/Yillara-gore-nefes-kredisi-1049x590.webp\" alt=\"Y\u0131llara g\u00f6re nefes kredisi\" class=\"wp-image-62962\" srcset=\"https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/Yillara-gore-nefes-kredisi-1049x590.webp 1049w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/Yillara-gore-nefes-kredisi-360x203.webp 360w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/Yillara-gore-nefes-kredisi-730x411.webp 730w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/Yillara-gore-nefes-kredisi-350x197.webp 350w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/Yillara-gore-nefes-kredisi-1100x619.webp 1100w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/Yillara-gore-nefes-kredisi-400x225.webp 400w, https:\/\/www.karekod.org\/blog\/wp-content\/uploads\/2026\/11\/Yillara-gore-nefes-kredisi.webp 1200w\" sizes=\"(max-width: 1049px) 100vw, 1049px\" \/><figcaption class=\"wp-element-caption\">Y\u0131llara g\u00f6re nefes kredisi<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Y\u0131l \/ d\u00f6nem<\/th><th>Firma ba\u015f\u0131na a\u00e7\u0131klanan kredi limiti<\/th><th>Faiz ve \u00f6nemli ko\u015fullar<\/th><\/tr><tr><td>2016 \u2013 \u0130lk d\u00f6nem<\/td><td>Oda\/borsa ve paket ko\u015fullar\u0131na g\u00f6re<\/td><td>Y\u0131ll\u0131k %9,90, 12 ay vade<\/td><\/tr><tr><td>2017<\/td><td>Oda\/borsa ve paket ko\u015fullar\u0131na g\u00f6re<\/td><td>Yakla\u015f\u0131k 5 milyar TL kredi hacmi; 30 bin i\u015fletme<\/td><\/tr><tr><td>2018<\/td><td>Paket ko\u015fullar\u0131na g\u00f6re<\/td><td>Ayl\u0131k %0,99, 12 ay vade<\/td><\/tr><tr><td>2020<\/td><td>50.000\u2013100.000 TL<\/td><td>Y\u0131ll\u0131k %7,50; 2020 boyunca \u00f6deme ertelemesi<\/td><\/tr><tr><td>2021<\/td><td>50.000\u2013200.000 TL<\/td><td>Y\u0131ll\u0131k %17,50; 6 ay \u00f6demesiz d\u00f6nem<\/td><\/tr><tr><td>2025 \u2013 Temmuz<\/td><td>2.500.000 TL<\/td><td>Azami 36 ay vade<\/td><\/tr><tr><td>2025 \u2013 Ekim\/Kas\u0131m<\/td><td>1.500.000 TL<\/td><td>Y\u0131ll\u0131k %33 \/ %32; azami 36 ay<\/td><\/tr><tr><td>2026 \u2013 Haziran<\/td><td>3.000.000 TL<\/td><td>Y\u0131ll\u0131k %36 \/ %34; azami 48 ay<\/td><\/tr><tr><td><strong>2026 \u2013 Kas\u0131m<\/strong><\/td><td><strong>5.000.000 TL<\/strong><\/td><td><strong>Y\u0131ll\u0131k %36 \/ %34; azami 48 ay<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tablo notu:<\/strong> Yaln\u0131zca resm\u00ee duyurularla do\u011frulanabilen \u00f6nemli uygulama d\u00f6nemleri g\u00f6sterilmi\u015ftir. T\u00fcm y\u0131llar i\u00e7in kesintisiz bir kredi serisi de\u011fildir. Ayl\u0131k ve y\u0131ll\u0131k faiz oranlar\u0131 do\u011frudan kar\u015f\u0131la\u015ft\u0131r\u0131lmamal\u0131d\u0131r. Kredi limitleri nominal tutarlard\u0131r; enflasyon etkisiyle d\u00fczeltilmemi\u015ftir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2025 ve 2026 Nefes Kredisi Kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Kriter<\/th><th>2025 Ekim\/Kas\u0131m paketi<\/th><th>2026 Kas\u0131m paketi<\/th><\/tr><tr><td>Firma ba\u015f\u0131na \u00fcst limit<\/td><td>1,5 milyon TL<\/td><td>5 milyon TL<\/td><\/tr><tr><td>Azami vade<\/td><td>36 ay<\/td><td>48 ay<\/td><\/tr><tr><td>Anapara \u00f6demesiz s\u00fcre<\/td><td>6 ay<\/td><td>6 ay<\/td><\/tr><tr><td>24 aya kadar y\u0131ll\u0131k faiz<\/td><td>%33<\/td><td>%36<\/td><\/tr><tr><td>24 ay \u00fczeri y\u0131ll\u0131k faiz<\/td><td>%32<\/td><td>%34<\/td><\/tr><tr><td>Kredi hacmi<\/td><td>50 milyar TL&#8217;ye y\u00fckseltilen ikinci paket<\/td><td>50 milyar TL yeni dilim<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Bu kar\u015f\u0131la\u015ft\u0131rmada 2026 program\u0131n\u0131n en belirgin avantajlar\u0131, daha y\u00fcksek kredi \u00fcst limiti ve daha uzun azami vade olarak \u00f6ne \u00e7\u0131k\u0131yor. Buna kar\u015f\u0131l\u0131k 2025&#8217;in son d\u00f6nemine g\u00f6re a\u00e7\u0131klanan y\u0131ll\u0131k faiz oranlar\u0131 daha y\u00fcksek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2025&#8217;in tamam\u0131nda TOBB&#8217;un a\u00e7\u0131klad\u0131\u011f\u0131 ger\u00e7ekle\u015fmi\u015f toplam kredi hacmi 81 milyar TL&#8217;ye, yararlanan i\u015fletme say\u0131s\u0131 ise 61 bine ula\u015ft\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2026&#8217;da ise haziran ay\u0131ndan kas\u0131m ba\u015f\u0131na kadar 45 milyar TL kulland\u0131r\u0131ld\u0131. Yeni 50 milyar TL&#8217;lik dilimin hedeflenen tutarda tamamlanmas\u0131 h\u00e2linde, y\u0131l i\u00e7indeki finansman hacmi 95 milyar TL seviyesine \u00e7\u0131kabilecek.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Dunyada_Nefes_Kredisine_Benzer_Finansman_Modelleri\"><\/span>D\u00fcnyada Nefes Kredisine Benzer Finansman Modelleri<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye&#8217;de KOB\u0130 finansman\u0131nda uygulanan Nefes Kredisi&#8217;nin benzerleri, farkl\u0131 isimler ve finansman y\u00f6ntemleriyle Avrupa&#8217;da ve ABD&#8217;de de bulunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu programlar\u0131n ortak noktas\u0131, bankalar\u0131n \u00fcstlendi\u011fi finansman riskinin kamu destekli garanti mekanizmalar\u0131yla azalt\u0131lmas\u0131 ve i\u015fletmelerin krediye eri\u015fiminin kolayla\u015ft\u0131r\u0131lmas\u0131d\u0131r.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Almanya: KfW ERP-F\u00f6rderkredit KMU<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Almanya&#8217;da kamu kalk\u0131nma bankas\u0131 KfW taraf\u0131ndan y\u00fcr\u00fct\u00fclen ERP-F\u00f6rderkredit KMU program\u0131, k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmelere yat\u0131r\u0131m ve i\u015fletme sermayesi finansman\u0131 sunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Program\u0131n ba\u015fl\u0131ca \u00f6zellikleri:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Uygun projelerde 25 milyon avroya kadar kredi<\/li>\n\n\n\n<li>Baz\u0131 kredi t\u00fcrlerinde KfW taraf\u0131ndan %50 kredi riski \u00fcstlenimi<\/li>\n\n\n\n<li>Yat\u0131r\u0131m finansman\u0131nda 20 y\u0131la kadar vade se\u00e7enekleri<\/li>\n\n\n\n<li>\u0130\u015fletme sermayesi, personel giderleri, makine, ekipman ve stok finansman\u0131<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">KfW&#8217;nin risk \u00fcstlendi\u011fi se\u00e7enekte i\u015fletme sermayesi ve stoklar i\u00e7in daha d\u00fc\u015f\u00fck tutar limitleri uygulan\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Almanya modelinde yat\u0131r\u0131m finansman\u0131n\u0131n da \u00f6nemli bir yer tutmas\u0131 ve daha uzun vadelerin sunulmas\u0131, T\u00fcrkiye&#8217;deki Nefes Kredisi&#8217;nden ayr\u0131lan ba\u015fl\u0131ca \u00f6zellikler aras\u0131nda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0130ngiltere: Growth Guarantee Scheme<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0130ngiltere&#8217;de British Business Bank taraf\u0131ndan y\u00fcr\u00fct\u00fclen Growth Guarantee Scheme (GGS), k\u00fc\u00e7\u00fck i\u015fletmelerin krediye eri\u015fimini destekleyen kamu garantili bir finansman program\u0131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Program kapsam\u0131nda genel olarak i\u015fletme grubu ba\u015f\u0131na 2 milyon sterline kadar finansman sa\u011flanabiliyor ve kredi veren kurulu\u015fa %70 oran\u0131nda devlet garantisi sunuluyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">GGS yaln\u0131zca klasik i\u015fletme kredilerini de\u011fil, varl\u0131k finansman\u0131, faktoring ve \u00e7e\u015fitli ticari finansman \u00fcr\u00fcnlerini de kapsayabiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Temmuz 2026&#8217;da program\u0131n kapasitesinin art\u0131r\u0131lmas\u0131 y\u00f6n\u00fcnde yeni ad\u0131mlar a\u00e7\u0131kland\u0131. Buna g\u00f6re gelecek d\u00f6rt y\u0131l i\u00e7inde 6,5 milyar sterlin ilave piyasa finansman\u0131n\u0131n desteklenmesi hedefleniyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bu modelde garantinin bankaya verilmesi, i\u015fletmenin geri \u00f6deme y\u00fck\u00fcml\u00fcl\u00fc\u011f\u00fcn\u00fc ortadan kald\u0131rm\u0131yor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">ABD: SBA 7(a) Kredi Program\u0131<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">ABD&#8217;de Small Business Administration (SBA) taraf\u0131ndan desteklenen 7(a) kredi program\u0131, k\u00fc\u00e7\u00fck i\u015fletmeler i\u00e7in kullan\u0131lan ba\u015fl\u0131ca finansman modellerinden biri.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Program kapsam\u0131nda:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>5 milyon ABD dolar\u0131na kadar kredi kullan\u0131labiliyor.<\/li>\n\n\n\n<li>SBA, uygun krediler i\u00e7in finans kurulu\u015flar\u0131na belirli oranlarda garanti sa\u011fl\u0131yor.<\/li>\n\n\n\n<li>Finansman i\u015fletme sermayesi, ekipman, gayrimenkul ve uygun di\u011fer ticari ihtiya\u00e7larda kullan\u0131labiliyor.<\/li>\n\n\n\n<li>Ba\u015fvurular SBA&#8217;ya de\u011fil, programa kat\u0131lan kredi kurulu\u015flar\u0131na yap\u0131l\u0131yor.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00fcrkiye&#8217;deki Nefes Kredisi ile ABD&#8217;deki 7(a) program\u0131n\u0131n ortak noktas\u0131, i\u015fletmelerin krediyi anla\u015fmal\u0131 finans kurulu\u015flar\u0131ndan almas\u0131 ve garanti mekanizmas\u0131n\u0131n krediye eri\u015fimi desteklemesi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Turkiye_ve_Dunyada_KOBI_Kredisi_Karsilastirmasi\"><\/span>T\u00fcrkiye ve D\u00fcnyada KOB\u0130 Kredisi Kar\u015f\u0131la\u015ft\u0131rmas\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>\u00dclke<\/th><th>Program<\/th><th>A\u00e7\u0131klanan \u00fcst limit<\/th><th>Temel destek modeli<\/th><\/tr><tr><td>T\u00fcrkiye<\/td><td>TOBB Nefes Kredisi<\/td><td>5 milyon TL<\/td><td>KGF kefaleti<\/td><\/tr><tr><td>Almanya<\/td><td>KfW ERP-F\u00f6rderkredit KMU<\/td><td>25 milyon avroya kadar<\/td><td>Belirli se\u00e7eneklerde %50 risk \u00fcstlenimi<\/td><\/tr><tr><td>\u0130ngiltere<\/td><td>Growth Guarantee Scheme<\/td><td>Genel olarak 2 milyon sterlin<\/td><td>%70 kamu garantisi<\/td><\/tr><tr><td>ABD<\/td><td>SBA 7(a)<\/td><td>5 milyon dolar<\/td><td>SBA kredi garantisi<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kar\u015f\u0131la\u015ft\u0131rma notu:<\/strong> Bu programlar ayn\u0131 m\u00fc\u015fteri grubuna, ayn\u0131 sekt\u00f6rlere veya ayn\u0131 finansman t\u00fcrlerine y\u00f6nelik de\u011fildir. \u00dcst limitlerin d\u00f6viz cinsinden do\u011frudan kar\u015f\u0131la\u015ft\u0131r\u0131lmas\u0131, kredi ko\u015fullar\u0131n\u0131n daha avantajl\u0131 oldu\u011funu tek ba\u015f\u0131na g\u00f6stermez. Kredi maliyetleri, teminat ko\u015fullar\u0131, \u00fclke ekonomileri ve uygunluk kriterleri farkl\u0131d\u0131r.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nefes_Kredisi_Isletmelere_Ne_Sagliyor\"><\/span>Nefes Kredisi \u0130\u015fletmelere Ne Sa\u011fl\u0131yor?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KOB\u0130&#8217;lerin g\u00fcnl\u00fck faaliyetlerini s\u00fcrd\u00fcrebilmesinde nakit ak\u0131\u015f\u0131 \u00f6nemli bir rol oynuyor. \u00d6zellikle sat\u0131\u015flar\u0131n\u0131 vadeli ger\u00e7ekle\u015ftiren, ancak personel, hammadde ve tedarik\u00e7i \u00f6demelerini daha k\u0131sa s\u00fcrelerde yapmak zorunda kalan i\u015fletmeler i\u00e7in i\u015fletme sermayesine ula\u015fmak kritik olabiliyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nefes Kredisi, uygun bulunan i\u015fletmelere bu nakit ak\u0131\u015f\u0131 dengesini y\u00f6netebilmek i\u00e7in ek finansman imk\u00e2n\u0131 sunuyor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bununla birlikte kredi kullan\u0131m\u0131n\u0131n i\u015fletmeye sa\u011flayaca\u011f\u0131 ger\u00e7ek fayda, yaln\u0131zca al\u0131nan paran\u0131n tutar\u0131yla de\u011ferlendirilemez. Finansman\u0131n maliyeti, i\u015fletmenin k\u00e2rl\u0131l\u0131\u011f\u0131 ve geri \u00f6deme kapasitesi de birlikte ele al\u0131nmal\u0131d\u0131r.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Karekod Blog de\u011ferlendirmesi:<\/strong> Kas\u0131m 2026 d\u00f6neminde firma ba\u015f\u0131na limitin 5 milyon TL&#8217;ye \u00e7\u0131kar\u0131lmas\u0131, \u00f6zellikle finansman ihtiyac\u0131 birka\u00e7 milyon liray\u0131 bulan i\u015fletmeler i\u00e7in daha geni\u015f bir ba\u015fvuru imk\u00e2n\u0131 olu\u015fturuyor. Ancak faiz oranlar\u0131n\u0131n y\u00fcksek oldu\u011fu bir ortamda kredi, uzun vadeli maliyetleri hesaba kat\u0131lmadan kullan\u0131lmamal\u0131.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Karekod_Blog_Editor_Yorumu\"><\/span>Karekod Blog Edit\u00f6r Yorumu<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">3 Kas\u0131m 2026&#8217;da ba\u015fvuruya a\u00e7\u0131lacak <strong>50 milyar TL&#8217;lik yeni TOBB Nefes Kredisi<\/strong>, finansmana eri\u015fimde zorlanan KOB\u0130&#8217;ler i\u00e7in \u00f6nemli bir f\u0131rsat sunuyor. Firma ba\u015f\u0131na kredi limitinin 5 milyon TL&#8217;ye y\u00fckseltilmesi ve vadenin 48 aya kadar uzat\u0131lmas\u0131, \u00f6zellikle i\u015fletme sermayesi ihtiyac\u0131 y\u00fcksek \u015firketler a\u00e7\u0131s\u0131ndan olumlu bir geli\u015fme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ancak <strong>y\u0131ll\u0131k %34\u201336 seviyesindeki faiz oranlar\u0131<\/strong>, kredi kullan\u0131rken dikkatli bir maliyet analizi yap\u0131lmas\u0131n\u0131 gerektiriyor. Alt\u0131 ayl\u0131k anapara \u00f6demesiz d\u00f6nem k\u0131sa vadede i\u015fletmelerin nakit ak\u0131\u015f\u0131n\u0131 rahatlatabilse de borcun toplam maliyetini ortadan kald\u0131rm\u0131yor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Karekod Blog olarak de\u011ferlendirmemiz<\/strong>, Nefes Kredisi&#8217;nin do\u011fru planland\u0131\u011f\u0131nda i\u015fletmeler i\u00e7in \u00f6nemli bir finansman arac\u0131 olabilece\u011fi y\u00f6n\u00fcnde. Bununla birlikte as\u0131l belirleyici unsur, i\u015fletmenin ne kadar kredi kullanabildi\u011fi de\u011fil, bu krediyi faaliyetlerinden elde etti\u011fi gelirle ne \u00f6l\u00e7\u00fcde geri \u00f6deyebildi\u011fidir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">KOB\u0130&#8217;lerin ba\u015fvuru \u00f6ncesinde yaln\u0131zca faiz oran\u0131na de\u011fil, toplam geri \u00f6deme tutar\u0131na, komisyonlara ve ayl\u0131k taksitlerin nakit ak\u0131\u015f\u0131na etkisine de odaklanmas\u0131n\u0131 \u00f6neriyoruz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Edit\u00f6r notu \u2013 2 Kas\u0131m 2026: Bu de\u011ferlendirme bilgilendirme ama\u00e7l\u0131d\u0131r. Nihai kredi ko\u015fullar\u0131 ve geri \u00f6deme planlar\u0131 i\u00e7in ilgili bankalar\u0131n g\u00fcncel a\u00e7\u0131klamalar\u0131 esas al\u0131nmal\u0131d\u0131r.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"TOBB_Nefes_Kredisi_Hakkinda_Sikca_Sorulan_Sorular\"><\/span>TOBB Nefes Kredisi Hakk\u0131nda S\u0131k\u00e7a Sorulan Sorular<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi ba\u015fvurular\u0131 ne zaman ba\u015fl\u0131yor?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yeni 50 milyar TL&#8217;lik kredi diliminin ba\u015fvurular\u0131 3 Kas\u0131m 2026 Sal\u0131 g\u00fcn\u00fc ba\u015flayacak.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi 2026 limiti ne kadar?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kas\u0131m 2026 d\u00f6neminde firma ba\u015f\u0131na azami kredi limiti 5 milyon TL olarak belirlendi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi faiz oran\u0131 y\u00fczde ka\u00e7?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">24 aya kadar vadelerde y\u0131ll\u0131k %36, 24 aydan uzun vadelerde y\u0131ll\u0131k %34 faiz uygulanacak.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi ka\u00e7 ay \u00f6demesiz?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Programda 6 ay anapara \u00f6demesiz d\u00f6nem bulunuyor. Bu s\u00fcre faizsiz kredi anlam\u0131na gelmiyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Daha \u00f6nce Nefes Kredisi kullananlar tekrar ba\u015fvurabilir mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Evet. 2026 y\u0131l\u0131 i\u00e7erisinde kredi kullanan i\u015fletmeler, toplam kredi tutar\u0131n\u0131 5 milyon TL&#8217;ye tamamlayabilecek \u015fekilde ilave finansman ba\u015fvurusu yapabilecek.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi ba\u015fvurusunda oda \u00fcyeli\u011fi zorunlu mu?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">TOBB&#8217;un a\u00e7\u0131klad\u0131\u011f\u0131 programa TOBB&#8217;a ba\u011fl\u0131 oda veya borsa \u00fcyesi i\u015fletmeler ba\u015fvurabiliyor. Kredi onay\u0131 i\u00e7in bankan\u0131n de\u011ferlendirmesi de gerekiyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi KGF kefaletli mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Evet. Yeni kredi dilimi, Kredi Garanti Fonu&#8217;nun \u00d6zkaynak Kefalet Program\u0131 kapsam\u0131nda y\u00fcr\u00fct\u00fcl\u00fcyor.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi ba\u015fvuru \u00fccreti ne kadar?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">3 Kas\u0131m 2026&#8217;da ba\u015flayacak yeni dilim i\u00e7in ba\u015fvuru \u00fccreti ve di\u011fer komisyonlar\u0131n kesin tutarlar\u0131 TOBB&#8217;un 1 Kas\u0131m tarihli duyurusunda ayr\u0131ca belirtilmedi. G\u00fcncel \u00fccretler bankadan teyit edilmelidir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nefes Kredisi geri \u00f6demesiz destek mi?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Hay\u0131r. Nefes Kredisi geri \u00f6denmesi gereken bir i\u015fletme kredisidir. KGF kefaleti borcu ortadan kald\u0131rmaz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Kaynaklar\"><\/span>Kaynaklar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.tobb.org.tr\/Sayfalar\/Detay.php?lst=MansetListesi&amp;rid=33208\">TOBB \u2013 Nefes Kredisi yeniden ba\u015fl\u0131yor (1 Kas\u0131m 2026)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.tobb.org.tr\/Sayfalar\/Detay.php?lst=MansetListesi&amp;rid=32692\">TOBB \u2013 Haziran 2026 Nefes Kredisi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.tobb.org.tr\/Sayfalar\/Detay.php?lst=MansetListesi&amp;rid=32090\">TOBB \u2013 Kas\u0131m 2025 Nefes Kredisi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.tobb.org.tr\/Sayfalar\/Detay.php?lst=MansetListesi&amp;rid=31633\">TOBB \u2013 Temmuz 2025 Nefes Kredisi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.tobb.org.tr\/Sayfalar\/Detay.php?lst=MansetListesi&amp;rid=26546\">TOBB \u2013 2021 Nefes Kredisi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.tobb.org.tr\/Sayfalar\/Detay.php?lst=MansetListesi&amp;rid=25625\">TOBB \u2013 2020 Nefes Kredisi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.tobb.org.tr\/Sayfalar\/Detay.php?lst=MansetListesi&amp;rid=22793\">TOBB \u2013 2018 Nefes Kredisi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.tobb.org.tr\/Sayfalar\/Detay.php?lst=MansetListesi&amp;rid=21646\">TOBB \u2013 2016 Nefes Kredisi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/ito.org.tr\/tr\/duyurular\/detay\/tobb-nefes-kredisi\">\u0130stanbul Ticaret Odas\u0131 \u2013 Nefes Kredisi Bilgilendirmesi<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.kfw.de\/inlandsfoerderung\/Unternehmen\/Investitionen-und-Wachstum\/F%C3%B6rderprodukte\/ERP-F%C3%B6rderkredit-KMU-%28365-366%29\/\">Almanya KfW \u2013 ERP-F\u00f6rderkredit KMU<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.british-business-bank.co.uk\/finance-options\/debt-finance\/growth-guarantee-scheme\">British Business Bank \u2013 Growth Guarantee Scheme<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.sba.gov\/loans\/7a-loans\/\">US Small Business Administration \u2013 7(a) Loans<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>2 Kas\u0131m 2026 itibar\u0131yla TOBB Nefes Kredisi&#8217;nde yeni d\u00f6nem ba\u015fl\u0131yor. T\u00fcrkiye Odalar ve Borsalar Birli\u011fi (TOBB), Kredi Garanti Fonu (KGF) [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":62964,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3958,53],"tags":[7347],"class_list":["post-62961","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","category-haberler","tag-google-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nefes Kredisi Kas\u0131m 2026: Ba\u015fvuru, Faiz ve 5 Milyon TL Limit<\/title>\n<meta name=\"description\" content=\"TOBB Nefes Kredisi 2026 ba\u015fvurular\u0131 3 Kas\u0131m&#039;da ba\u015fl\u0131yor. 5 milyon TL limit, \u201336 faiz, 48 ay vade, anla\u015fmal\u0131 bankalar ve ba\u015fvuru \u015fartlar\u0131.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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