소상공인 재도전특별자금 신청방법2024. 6. 13. 14:57
The re-challenge special fund is a loan supported by the Ministry of SMEs and Startups for small business owners who have difficulty getting loans due to low credit ratings. It supports up to 70 million won in startup funds, and you can repay them in installments over 5 years at a fixed interest rate of 3% per annum. The re-challenge special fund is one of the projects of the Ministry of SMEs and Startups that provides funds to small business owners who want to start a new business or normalize their management through faithful debt adjustment.
A tip!
This product provides funds for re-starting businesses and faithful debt adjustment to small business owners who have difficulty getting loans due to low credit ratings, and helps small business owners make a comeback!
Today, I will tell you in detail about the re-challenge special fund and guide you on how to receive its benefits!
Re-challenge special fund support target
The target is small business owners with a credit rating of 7 or lower! Small business owners are those with less than 5 regular employees (less than 10 for manufacturing, construction, transportation, and mining).
Re-establishment Small Business Owners
* Small business owners preparing to re-establish a business
* Small business owners who have closed their previous business and are re-establishing a business
※ If you have other businesses other than the business applying for the loan, you are excluded from support.
※ If you are not actually re-establishing a business, such as converting a sole proprietorship to a corporation or changing the tax type, you are excluded from support.
2. Debt Adjustment Small Business Owners
* Small business owners who have faithfully repaid their debts as recognized by the Debt Resolution Re-establishment Support Comprehensive Package Agreement Institutions
※ Debt Resolution Re-establishment Support Comprehensive Package Agreement Institutions (Seoul Financial Welfare Counseling Center, New Start Fund Co., Ltd.)
Special Re-challenge Fund Support Contents
Re-establishment funds are loans provided by the Ministry of SMEs and Startups for small business owners who have difficulty receiving loans due to low credit ratings.
Re-establishment funds are supported up to 50 million won, and are repaid in installments over 5 years at a fixed interest rate of 3% per annum.
Loan targets are small business owners with a credit rating of 7 or lower, and can receive support if they are conducting a re-establishment business.
To apply for re-establishment funds, you can apply online to the Small Business Market Promotion Agency.
The loan limit, interest rate, repayment period, and repayment method of the re-establishment funds are as follows. * Loan limit: Within 70 million won per individual or corporate entity
* Loan interest rate: Fixed interest rate of 3% per year
* Loan period: 5 years (2 years grace period, 3 years installment repayment)
* Repayment method: Monthly equal installment repayment of principal during the repayment period after the grace period
* No early repayment fee
* Re-establishment funds are policy finance products designed to support small business owners to start a new business.
* To receive re-establishment funds, you must be a small business owner who is currently conducting a re-establishment business.
You can check the loan limit, interest rate, repayment period, and repayment method of re-establishment funds on the Small Business Market Promotion Agency website.
Application method
The application, reception, and agreement methods for the re-establishment funds are as follows.
1. Application reception
* Small Business Market Promotion Agency regional center under the jurisdiction of the business place
2. Agreement
* Online application reception and electronic agreement
* Corporate business: Online application reception and face-to-face agreement by visiting the center
* Online application reception: Small Business Policy Fund Site → Loan Application → Download Loan Application Guide (reference)
3. Documents to prepare
* Re-startup fund application form
* Business plan
* Financial statements
* Credit rating confirmation
* Other documents required by the Small Business Market Promotion Agency
Conclusion of special re-challenge fund
The special re-challenge fund is a great help to small business owners who dream of starting a business again.
With the special re-challenge fund, small business owners can start a new business or revive their existing business.
The special re-challenge fund can increase the success rate of small business owners’ re-startups and contribute to the revitalization of the local economy. If there are any small business owners who dream of starting a new business, please apply for the Special Re-challenge Fund.
The Special Re-challenge Fund will increase the probability of your successful re-starting.
Thank you for reading the long article!
I have posted other good products on the blog, so please take a look.
I have scratched the itchy parts of small business owners who did not know about it or did not know how to apply for it even if they knew about it~
If you have any questions about government funds or would like to receive consultation, please call 1666-3120!
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