Business loan application
On a business loan the bank looks at the company rather than the person, and no two banks look at quite the same things. Leave your request and let bankers who work on commercial lending tell you which product fits your business.
What the banks publish this week
2 banks publish a monthly rate between 4.53% and 7.49%.
Read from the banks' own pages on 20 September 2026. These are published rates, not offers.
Rates bank by bank →What the banker will ask for
- Tax registration certificate and signature circular
- Balance sheet and income statement for the last two years; for a sole trader, a summary of the business ledger
- Current letters confirming no outstanding tax or SGK debt
- The trade registry gazette
- Documents for whatever is offered as collateral
What decides the answer
- The company's turnover, profitability and how long it has been trading
- The Credit Bureau's commercial report: existing loans, cheque and note history
- The collateral — a mortgage, cheques, a personal guarantee, or a KGF guarantee
- The sector, and the limit the bank has open to it
Common questions
Can a newly founded company get a business loan?
Most banks want a minimum trading history, but some lend against a KGF guarantee or a partner's guarantee. The banker who takes up your request will tell you what their bank looks for.
Which commercial product should I ask for?
Instalment loans, spot loans, revolving facilities and cheque discounting each answer a different need. Write down what you need it for; the banker suggests the product.
Do I have to upload my company's accounts to leave a request?
No. The request needs an amount, a term and a way to reach you; documents come in only once you apply to a bank.
Is there a fee?
Leaving a request is free. KrediBul charges nothing to the side looking for a loan.
KrediBul is not a bank. It does not lend, does not set rates and does not forward your request to a bank. What it does is show your request to bankers; the offer and the decision belong to the bank's own process.
Other loans
Leave your request
The amount, the term and how to reach you. Bankers who see the request call you directly.
Know before you sign
Before you leave a request, read Bankacı's reference pages: the legal limits in force, the average rates people are entering, and what the loan terms mean. All free, no account needed.
Legal limits on loans
The BDDK's maximum term and loan-to-value limits by amount, each with the Board decision it rests on.
bankaci.app →Average interest rates
The average rates Bankacı's users calculated with over the last seven days, and the most-calculated brackets.
bankaci.app →Loan glossary
KKDF, BSMV, effective rate, balloon payment, early-payment compensation: every term on the calculation screen, defined.
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