Dumlupınar Bulv. (Eskişehir Yolu
TOBB İkiz Kuleleri C Blok No: 252
Kat: 5-6-7 06530 Çankaya/Ankara

(0312) 204 00 00
(0312) 204 01 97/98


Established in 1991, Kredi Garanti Fonu (KGF) is a non-profit joint stock company pursuant to its Articles of Association. Following the completion of the establishment process in 1993, KGF issued its first guarantee in 1994. Since then, the company has been serving the primary objective of providing guarantee and collateral support for SMEs and non-SMEs which have credibility but cannot use loans due to insufficient collateral.

KGF shareholder structure includes TOBB (The Union of Chambers and Commodity Exchanges of Turkey), KOSGEB (Small and Medium Enterprises Development Organisation of Turkey) and 29 Turkish banks which represents 99% of the market size of the sector.

Alongside the guarantee schemes it provides from its equity capital, KGF also provides guarantees based on the grants and funds provided by other organisations such as Ministry of Treasury and Finance and European Investment Fund (EIF).

As of end-2021, KGF had an outstanding guarantee volume of almost bEUR 12 and supported around 474,000 SMEs.

AECM accession year2000
Legal formPublic Joint Stock Company
OwnershipPublic-private mixed
Geographical and sectoral coverageNational
All sectors
ProductsLoan guarantees, Leasing guarantees
Counter-guaranteeEU and national

Ankara/Brussels, 4th January 2023