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Is A Re-Approval Necessary For The Use Of A Loan For A Shorter Time Period Than The One Specified In Guarantee Conditions?
No, there is no need for re-approval. It is possible to extend the loan for a shorter period of time provided that the extension does not exceed the time limit of the guarantee. The Creditor only has to provide the rescheduling of the loan extension when uploading the “Letter of Guarantee” on KOBİT.
What Should You Do If You Want To Use A Smaller Loan Amount Than The One Specified In The Letter Of Guarantee Already Submitted?
In the event that the amount of the loan would like to be changed following the submission of the letter of guarantee, this request and the new loan amount must be notified to the KGF branch offices and our relevant units via e-mail (in equity-backed KGF guarantees: This email address is being protected from spambots. You need JavaScript enabled to view it. and This email address is being protected from spambots. You need JavaScript enabled to view it., in Treasury-backed KGF guarantees: This email address is being protected from spambots. You need JavaScript enabled to view it.), the submitted letter must be cancelled and a new letter must be drafted with the new amount.
Can The Guarantee Amount Allocated Be Revised Before The End Of The Loan Term? Can The Guarantee Be Revised Accordingly, And Can The Limit Be Increased Before The End Of The Term?
An amount allocation can be revised if the loan has not yet been used. If it has, no amount allocation revision is possible. For additional limit allocation, a fresh request must be made.
Can Businesses With Unapproved Guarantee Requests Reapply To Kgf?
Requests which have not been approved despite two reviews in 3 months can be re-evaluated following the lapse of a quarterly financial data period after the date of the most recent rejection.
What Kind Of Reporting Is Requested From Creditors?
In order for KGF to submit the aggregated “Implementation Results Report” to the Undersecretariat of Treasury, Creditors must submit to KGF a report on all ongoing credit risks, including for those loans used under KGF at that time, within 15 work days following the end of each quarter (March – June – September – December) in the format KGF requests. Monthly risk agreements are made with Creditors whose full system integration has not been completed in order to match the loan/guarantee information between KGF and Creditors as regards equity-backed KGF guarantees and Treasury-backed KGF guarantees.
What Happens When The Business Does Not Repay The Loan It Has Used Under Kgf Guarantee?
In the event that the business fails to repay the loan, the bank claims compensation from KGF. KGF honours its liability as a guarantor to make the compensation. Legal action is taken against the business and the guarantors thereof jointly with the bank and receivables are collected through legal proceedings.