Loans · Finance

Re-challenge Special Fund (for Re-startups and Faithful Debt Adjustment Repayers, 재도전특별자금): How to Apply, Amount & Eligibility (2026)

General type KRW 70,000,000 · Hope type KRW 100,000,000 · Leap type KRW 200,000,000 · base rate +1.6/+0.6/+0.4%p · 5 years

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: SEMAS direct loan. General type: KRW 70,000,000 (base +1.6%p) for those who completed the Hope Return re-startup course (25h), early-stage re-startups, and faithful repayers of debt adjustment. Hope type: KRW 100,000,000 (+0.6%p) for those selected for and completing re-start commercialization. Leap type: KRW 200,000,000 (+0.4%p) for growing faithful repayers with 2 or more years in business after re-startup and sales up 5% or more, etc. 5 years (2-year grace). Scale: KRW 100 billion.
Who is eligible: Small business owners who re-started after closing a business, small business owners faithfully repaying after debt adjustment, and those selected for Hope Return re-start commercialization
When to apply: Direct loan applications opened 2026.1.12 · closes when the budget runs out
How to apply: Small Business Policy Fund website (ols.semas.or.kr) · linked to Hope Return Package (희망리턴패키지, hope.sbiz.or.kr) courses · 1533-0100
Important notes: Closes when the budget runs out. Reapplication for the same fund in the same year is restricted for 6 months after a rejection (direct loans).
Note: The limit is combined with balances of the Re-challenge Special Fund. Requirements vary by type, e.g., faithful repayment for 6 or more installments after debt adjustment plus completion of the faithful repayer re-startup course (20h).

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

Re-challenge Special Fund (for Re-startups and Faithful Debt Adjustment Repayers, 재도전특별자금): who can receive it?

Small business owners who re-started after closing a business, small business owners faithfully repaying after debt adjustment, and those selected for Hope Return re-start commercialization

Re-challenge Special Fund (for Re-startups and Faithful Debt Adjustment Repayers, 재도전특별자금): how do I apply?

Small Business Policy Fund website (ols.semas.or.kr) · linked to Hope Return Package (희망리턴패키지, hope.sbiz.or.kr) courses · 1533-0100

Re-challenge Special Fund (for Re-startups and Faithful Debt Adjustment Repayers, 재도전특별자금): how much will I receive?

SEMAS direct loan. General type: KRW 70,000,000 (base +1.6%p) for those who completed the Hope Return re-startup course (25h), early-stage re-startups, and faithful repayers of debt adjustment. Hope type: KRW 100,000,000 (+0.6%p) for those selected for and completing re-start commercialization. Leap type: KRW 200,000,000 (+0.4%p) for growing faithful repayers with 2 or more years in business after re-startup and sales up 5% or more, etc. 5 years (2-year grace). Scale: KRW 100 billion.

Re-challenge Special Fund (for Re-startups and Faithful Debt Adjustment Repayers, 재도전특별자금): when can I apply?

Direct loan applications opened 2026.1.12 · closes when the budget runs out