Business loans: instalment, spot, revolving and discount

Banks publishing a business loan rate on their own pages in the 2 November 2026 read: Fibabanka, 2.99% to 3.59% a month (terms up to 24 months); Yapı Kredi, 3.41% to 4.03% a month (terms up to 48 months); Akbank, 3.49% to 3.79% a month (terms up to 36 months); Garanti BBVA, 3.49% to 7.49% a month (terms up to 48 months); İş Bankası, 3.49% to 3.99% a month; QNB, 3.50% and up a month (terms up to 48 months); Enpara, 3.59% to 3.79% a month (terms up to 36 months); ING, 3.73% to 4.23% a month; Alternatif Bank, 4.92% a month (terms up to 24 months). On the business side a loan is not one product. Bankacı calculates four of them separately, because interest behaves differently in each.

Updated: 2 November 2026

Business loans: instalment, spot, revolving and discount screen in the Bankacı app

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Amount (TL)Term (months)

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The example loan

1,000,000 TL · 24 months · 5.68%

Estimated monthly instalment: 79,414.14 TL
Total repayment: 1,905,939.32 TL

KKDF 0% and BSMV 5% included. Not any bank's offer.

Average over the last 7 days (26 October – 2 November 2026). Loan interest rates: user averages →

Instalment business loan

The closest to a consumer loan, except that payments need not be monthly: quarterly or semi-annual schedules are common where cash flow is seasonal. Bankacı handles all three frequencies.

Spot loan

The principal and the interest are paid together at maturity. It suits a business waiting on a specific receipt.

Revolving credit

An account drawn and repaid within a limit, where interest runs on the days used. Bankacı works it out movement by movement: each draw and each repayment carries its own day count.

Cheque and note discounting

Bringing a cheque or note not yet due back to present value. The result is the net amount the customer receives after the discount interest and BSMV; commission and charges are not in this calculation.

How the interest is worked out

On an instalment business loan the monthly rate is multiplied by the payment interval (× 3 for quarterly) and loaded with 5% BSMV; no KKDF. On spot, revolving and discounting, interest = amount × annual rate × days / 360, BSMV 5% of it.

Frequently asked

Are legal limits shown on business loans?

No. Bankacı's limit tables come from Board decisions on consumer credit; there is no verified table on the business side, and an invented limit would be indistinguishable from a real one.

How does interest run on a revolving account?

Each movement is valued on its own day count, so interest follows how long a balance was actually outstanding rather than the closing balance.

Can I show a quarterly plan to the customer?

Yes, the schedule prints exactly as a monthly one does and can be shared.

Featured campaigns

Up to 1,000,000 TL Digital Ready Credit Package for sole proprietors

Anadolubank

Business loan

Up to 1,000,000 TL Digital Ready Credit Package for sole proprietors

Sole proprietors with no Anadolubank account yet can become customers by video call in Anadolubank Mobil, without visiting a branch. If the package is approved, an instalment business loan, a Business Card and a business overdraft are opened together; the loan runs for at most 12 months. Rates and terms are shown on screen during the application.

Terms and applications are on the Anadolubank website.

Details

Business loan application ↗

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