Free Korean SME Policy Fund Self-Diagnosis
Enter your business age, industry, revenue, and financial status to auto-match eligible Korean government policy funds. Identify the best-fit funding programs at a glance.
Business Info
Financial Info
Funding Purpose (select all that apply)
Diagnosis Results
Based on your inputs, each policy fund is scored for eligibility. Results are sorted by fit score (highest first).
* This is a reference self-diagnosis based on publicly available criteria. Actual eligibility may differ. Contact the relevant agency for official confirmation.
There may be funds you qualify for but don't know about
Go one step further from diagnosis — application strategy, scoring tips, and document preparation. An expert will guide you to maximize approval odds, free of charge.
67% of consulted businesses received policy fund approval this year · average benefit ₩85M
Korean government policy funds offer SMEs significantly lower interest rates than commercial loans, but eligibility criteria vary widely by fund, making it hard to know which ones to apply for. This self-diagnosis tool automatically matches your business profile to eligible policy funds.
Key Features
Automatic Eligibility Scoring
Seven major policy funds are scored based on your inputs — each rated as Eligible (80%+), Possible (50–79%), or Not Eligible (below 50%).
Sorted by Fit Score
Results are displayed from highest to lowest fit, so you can quickly identify the most promising funding programs.
Exclusion Reasons
Low-scoring funds include specific explanations (insufficient business age, revenue too high, poor credit, etc.) so you know exactly why.
Covered Policy Funds
MSS Innovation Growth Fund
For SMEs with 3+ years of operation. Supports facility and working capital at 2.0–3.0% interest, up to KRW 10B.
Small Enterprise Market Promotion Corporation Direct Loan
Working capital for small businesses with under KRW 1B revenue. Rate 2.0–3.5%, up to KRW 70M.
KOTEC New Technology Finance Guarantee
For technology companies with 1+ year of operation. Guarantee fee 0.5–2.0%, up to KRW 3B. IT and manufacturing preferred.
KODIT Startup Business Guarantee
For businesses under 7 years old. Guarantee fee 0.5–1.5%, up to KRW 1B.
KOTRA Export Support Fund
For businesses with 1+ year of operation needing export financing. Rate 1.5–2.5%, up to KRW 5B.
SBC Emergency Stabilization Fund
Working capital for SMEs facing financial difficulties. Rate 2.5–3.5%, up to KRW 1B. Higher score for loss-making businesses.
Regional Credit Guarantee Foundation
Working capital guarantee for small businesses with under KRW 500M revenue. Guarantee fee 1.0%, up to KRW 200M.
How to Use
Step 1: Enter Business Info
Select your business age, industry, and number of employees.
Step 2: Enter Financial Info
Set your annual revenue, profitability status, credit rating, and existing policy fund usage.
Step 3: Select Funding Purpose
Check all applicable purposes (facility, working capital, startup, export). Results update automatically.
Tips
Apply to Multiple Funds
Funds rated "Eligible" can often be applied for simultaneously if their purposes don't overlap. Consider getting facility funds from one agency and working capital from another.
Check Your Credit First
You can check your credit score for free at the Korea Credit Information Service. If you select "Unknown," the system assumes average credit.
FAQ
What is a policy fund?
Policy funds are government-backed financing programs for SMEs, offering lower rates and better terms than commercial bank loans. However, they have specific eligibility requirements.
Does "Not Eligible" mean I cannot apply at all?
"Not Eligible" indicates a low probability based on general criteria. Special circumstances or policy changes may create exceptions. Contact the relevant agency directly.
Can I use this on mobile?
Yes, it's fully responsive and works on smartphone and tablet browsers.