TOBB Breath Credit applications, re-implemented under the leadership of the Union of Chambers and Commodity Exchanges of Turkey (TOBB), in cooperation with the Credit Guarantee Fund (KGF) and relevant banks, started as of July 8, 2025.

The protocol regarding TOBB Breath Credit was signed with the Credit Guarantee Fund (KGF) and Ziraat Bank, Halkbank, Vakıfbank, Akbank, Yapı ve Kredi Bank, Denizbank, and Ziraat Participation Bank. You can apply for a loan from the branches of the mentioned banks with the activity certificate to be given to you free of charge from our Chamber to be used in TOBB Breath Credit transactions.

TOBB Breath Credit;
📌Within the allocated limits, in the range of maximum 1 Million TL to 2.5 Million TL depending on the risk status,
📌6 months principal and interest grace period, maximum 36 months maturity,
📌With 38% interest rate for loans up to 24 months maturity, 37% interest rate for loans longer than 24 months,
📌With 5,000 TL application fee, 0.5% (five per thousand) bank commission, 1% (one percent) guarantee commission,
📌Will be made available through relevant banks without requesting any collateral (In case a third-party guarantor cannot be found in sole proprietorships, tangible collateral may be requested upon the customer's request).

❗ It is strongly announced not to rely on announcements stating that breath credit applications are received on the internet, social media, or other platforms other than bank branches.