24.02.2026 12:58
A new era has begun for Treasury-supported investment and operating loans aimed at agricultural production and tradesmen and artisans. Flexible conditions have been introduced for farmers with debts, while the interest rate reduction reaches up to 100% in some areas.
The investment and operating loans supported by the Treasury, reorganized by the Presidential Decision, provide financing opportunities for various sectors, from farmers to tradesmen and artisans.
The conditions for benefiting from these loans were determined by the Presidential Decision published in the Official Gazette dated February 15, 2026. Accordingly, those who wish to benefit from the loan will need to show, with a document they obtain no more than 15 days in advance, that they do not have any overdue tax and social security premium debts. If their debts have been restructured, they must not have disrupted the restructuring. Producers with debts have also been facilitated in accessing loans.
In this context, the amount corresponding to 25% of the financing and loan to be used will be transferred to the relevant departments in the name of the person. This amount will not exceed 300,000 lira annually. The discount rate on the debt's interest provided by the Treasury will also be 25%.
Here are 5 questions and answers regarding the regulation:
1 - How does the process work for using Treasury-supported investment and operating loans for agricultural production and tradesmen and artisans?
The loans provided for financing agricultural production are granted under the Presidential Decision published in the Official Gazette on December 30, 2023, which applies a discount on interest by the Ministry of Treasury and Finance, and the communiqué prepared by the Ministry of Agriculture and Forestry, which was published in the Official Gazette on May 1, 2024. The applications of this communiqué are valid for loans to be granted during the period from January 1, 2024, to December 31, 2026. Loan disbursements are ongoing.
2 - What do individuals within the scope need to do to benefit from the loans?
Only agricultural production activities conducted or to be conducted within the borders of Turkey are included, provided they comply with the procedures, principles, and criteria for loan usage. Real and legal persons who will continue their activities by being registered in the relevant registration systems of the Ministry of Agriculture and Forestry can benefit from the application.
3 - How will the process work for those who meet or do not meet the conditions?
With the Presidential Decision published in the Official Gazette on February 15, 2026, the conditions were reorganized. In this context, beneficiaries must show, with a document obtained no more than 15 days in advance, that they do not have any overdue tax and social security premium debts at the tax offices. If the debt is within the scope of restructuring, it is important that it has not been disrupted. Those who cannot meet these conditions will not be able to benefit from the loans.
4 - How will the system work for individuals who have taken loans and have debts?
Under the Decision, the debt will correspond to a maximum of 25% of the loan provided with Treasury interest support, and regardless of the loan size, it will be granted on the condition that it does not exceed a total of 300,000 lira within 1 year. The debt can be paid with the Treasury-supported loan.
5 - Are there any other advantages provided to farmers under these financing conditions, and what should those who want to benefit from the loan do?
From animal production to plant production, from beekeeping to the aquaculture sector, and from loans for tractor purchases to irrigation loans, a total of 28 different categories are offered to producers with interest discount rates of up to 100%, within the limits determined on a subject basis. Producers who wish to benefit from the loan can also apply to bank branches across Turkey to obtain detailed information on the subject.