Cinnah Cd. No : 5
Çankaya Ankara 06680

+90 3124686081
+90 3124686085


Teskomb’ s Headquarter

TESKOMB has been going on working to meet tradesmen and craftsmen financial needs as a unique Union. Tradesmen and Craftsmen Credit and Guarantee Cooperatives, guarantees 100 % to the credits allocated by Halkbank for tradesmen and craftsmen. Today TESKOMB has 32 Regional Unions, 1008 Tradesmen and Craftsmen Credit Guarantee Cooperatives, 10,000 administrators and staffs and 1,500,000 partners. The Total Volume of Guarantees Granted  is 40.000 Billion TL and the Total Number of Guarantees Granted is 1.017.000

In order to find effective and constant solutions to tradesmen and craftsmen’s financial problems, TESKOMB focused on the: Policy Compose at the National Level, The Regulation and System Adaptation in Line with Changing Conditions, Coordination of Activities, Training and Audit.


Year of creation
individual entities or association
Type of scheme
guarantee or counter-guarantee
Product typology
guarantee or counter-guarantee or co-guarantee
i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models
Fully mutual
Shareholder structure
Private / Public (in %)
100% Private
Legal form
of single guarantee entity or association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
Legal form
of members of an association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
Structure / Network
i.e. central scheme with regional offices, central scheme only, association network
Central scheme with regional offices
Geographic coverage
i.e. local, regional, national
Sectorial focus
i.e. agriculture, industry, crafts, retail, liberal professions, cooperatives, etc.
Crafts, Retail, Liberal professions
Size of businesses supported
i.e. large companies, SMEs, micro-enterprises, independent/self-employed
SMEs, Micro-enterprises, Independent/Self-employed
Supervision statute
i.e. mono-product banking licenses, financial intermediary statute, non-supervised. For associations, please state statute of members
Financial intermediary for subsidized credits by Treasury
Profit / Non-profit oriented
dividends to public shareholders are not considered as profit orientation
Non-profit oriented
Do you benefit from a counter-guarantee at local, regional or national level?
Local level or Regional level or National level
Are you/your members financial intermediary for EU-programmes?
CIP/COSME or Structural funds or Progress or RSI/RSFF Horizon 2020
Types of guarantee products provided by your organisation/your membersWorking capital loan guarantees, Investment Loan Guarantee, Discount Loan Guarantee
Other SME support instruments offered by your organisation/your members
Subsidized loans or Mezzanine financing or Venture capital or Coaching or Mediation services
Subsidized loans
Is the activity subject to state aid regulation?Yes
Do you (your members) use..?
De minimis or GBER or Regional guidelines or Notification
Do you (your members) dispose of an internal rating/scoring system?Yes
Do your guarantees provide deponderation (capital relief) for member banks subject to capital requirements (Basel agreement)?Yes
Do you (your members) benefit of a public counter-guarantee that allows deponderation (capital relief)?No