Loans · Finance

Emergency Business Stabilization Fund (Disaster Damage and Temporary Business Difficulty, 긴급경영안정자금): How to Apply, Amount & Eligibility (2026)

Disaster damage up to KRW 100,000,000 (fixed 2.0%) · business difficulty with sales down 15% or more KRW 70,000,000 (base rate)

This page is a translation of the Korean original and is for reference only. The official Korean guidance is the authoritative source for amounts and conditions, so be sure to confirm on the official website before applying. View Korean original (한국어)

Benefit: Small business owners with a disaster confirmation certificate: KRW 100,000,000, fixed 2.0% per year, 5 years (2-year grace). Geoje and Tongyeong special disaster areas (declared 2026.8.21): fixed 1.4-1.5%, up to KRW 300,000,000, 10 years. Temporary business difficulty (sales down 15% or more from the previous period; exceptions to the sales decline requirement apply to businesses in employment-crisis areas, industry-crisis areas, commercial district revitalization zones, etc.): KRW 70,000,000, base rate (3rd quarter: 3.85%). Small business owners damaged by Homeplus: KRW 100,000,000, base rate - 0.5%p.
Who is eligible: Small business owners damaged by disasters (heavy rain, typhoons, fires, etc.), and small business owners with temporary business difficulty such as a sales decline of 15% or more
When to apply: Open all year from 2026.1.5 · closes when the budget runs out
How to apply: Disaster: after obtaining the certificate from your local government, apply via the Small Business Policy Fund website (ols.semas.or.kr) · regional center · 1533-0100
Important notes: Closes when the budget runs out. For temporary business difficulty, proof of sales decline (annual, half-year, quarterly or monthly comparison) is required.
Note: Operated separately from the policy fund limit. Disaster funds require a local government 'Disaster-Affected SME (Small Business) Confirmation Certificate'. Scale: disaster KRW 100 billion, business difficulty KRW 120 billion, Homeplus KRW 50 billion.

Go to the official guide →

Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.

Frequently asked questions

Emergency Business Stabilization Fund (Disaster Damage and Temporary Business Difficulty, 긴급경영안정자금): who can receive it?

Small business owners damaged by disasters (heavy rain, typhoons, fires, etc.), and small business owners with temporary business difficulty such as a sales decline of 15% or more

Emergency Business Stabilization Fund (Disaster Damage and Temporary Business Difficulty, 긴급경영안정자금): how do I apply?

Disaster: after obtaining the certificate from your local government, apply via the Small Business Policy Fund website (ols.semas.or.kr) · regional center · 1533-0100

Emergency Business Stabilization Fund (Disaster Damage and Temporary Business Difficulty, 긴급경영안정자금): how much will I receive?

Small business owners with a disaster confirmation certificate: KRW 100,000,000, fixed 2.0% per year, 5 years (2-year grace). Geoje and Tongyeong special disaster areas (declared 2026.8.21): fixed 1.4-1.5%, up to KRW 300,000,000, 10 years. Temporary business difficulty (sales down 15% or more from the previous period; exceptions to the sales decline requirement apply to businesses in employment-crisis areas, industry-crisis areas, commercial district revitalization zones, etc.): KRW 70,000,000, base rate (3rd quarter: 3.85%). Small business owners damaged by Homeplus: KRW 100,000,000, base rate - 0.5%p.

Emergency Business Stabilization Fund (Disaster Damage and Temporary Business Difficulty, 긴급경영안정자금): when can I apply?

Open all year from 2026.1.5 · closes when the budget runs out