- Benefit
- Operating funds of KRW 70,000,000 per year (per business, combined balance of SEMAS policy funds within KRW 500,000,000 for operating funds and KRW 1,000,000,000 including facility funds). Variable rate = policy fund base rate + 0.6%p (3rd quarter 2026: 3.85% → 4.45% per year, announced again each quarter). Within 5 years (including a 2-year grace period), proxy loan (대리대출) with guarantee certificate or credit. Interest rate preference of up to 0.8%p (Zero Pay, employment insurance for the self-employed, Noranumbrella (노란우산), non-Seoul-metropolitan area, etc.).
- Who is eligible
- Small business owners under the Framework Act on Small Business (fewer than 5 regular employees; fewer than 10 for manufacturing, construction, transportation and mining), regardless of years in business
- When to apply
- Proxy loan applications opened on 2026.1.5 · received in order per fund, closes when the budget runs out · check the website for whether applications are currently open
- How to apply
- Online at the Small Business Policy Fund website (ols.semas.or.kr), or visit a SEMAS regional center (80 nationwide) and then take out a loan through a guarantee institution or bank · 1533-0100
- Important notes
- Closes early when the budget runs out. The base rate changes quarterly (3rd quarter from 2026.7.10; 4th quarter to be announced). The notice reflects up to the 5th amendment of 2026.10.1.
- Note
- Scale: KRW 1.22 trillion. Excluded: those who have received policy funds 3 or more times in the last 5 years, tax delinquents, those registered with credit-risk information, closed or suspended businesses, and ineligible industries for loans (finance, insurance, real estate, legal and tax services, etc.).
Based on official sources as of 2026년 10월. Amounts and requirements may change, so please confirm with the official guide before applying.