The State-Guaranteed Loan Fund operates dedicated assistance programs for small businesses and businesses operating in the northern confrontation line, with the aim of alleviating cash flow burdens, assisting in meeting current commitments, and enabling continued normal business operations.
Harry's Trail
The program is intended for small businesses with revenues of up to 25 million NIS, who meet the fund's eligibility criteria.
Applications for the program will be accepted online only on the Fund's website, from April 19, 2026, until June 30, 2026.
Loan terms summary:
Loan amount: Up to 500,000 NIS or up to 8% of revenue, whichever is higher.
Repayment period: Between 1 year and 5 years.
Grace period: Up to 6 months.
Average interest rate for this plan: Prime + 1.7%.
Collateral: Up to 10% of the loan amount, as determined by the lender.
Personal Guarantees: Subject to the discretion of the lender, the loan terms, and the credit committee.
Loan origination fee: 1% of the loan amount.
North Route
The track is intended for businesses, licensed self-employed persons, companies, and non-profit organizations with an annual revenue of up to NIS 100 million, operating within a 9 km radius of the Lebanese border, including adjacent industrial zones, as per the established list of localities.
The track is not intended for businesses engaged in real estate development, crypto, foreign exchange, or financial services.
Applications for the track will be submitted online only on the Fund's website, between August 6, 2025, and June 30, 2026.
Loan terms summary:
Loan amount: Up to 500,000 NIS or up to 8% of revenue for 2024 or 2025, whichever is higher.
Repayment period: Up to 7 years, including grace period.
Grace period: Up to 12 months.
Interest Rate: Prime + 0.25%.
Collateral: Up to 5%, at the bank's discretion.
Personal guarantees: Required of shareholders holding 25% or more, with the possibility of an exemption under certain conditions.
Additional highlights for the North route:
The maximum processing time, provided all documents are submitted correctly and on time, is up to 15 business days, and in exceptional cases up to 28 business days.
Up to two requests can be submitted as long as the route is open.
No fee is charged for the financial check or for arranging the loan.
A business that received a loan below the possible ceiling may apply for a supplementary loan within the framework of the program, as long as the program is valid.
Appeals cannot be filed for applications submitted through the Northern Track.
Precisely at a time when many businesses are struggling with cash flow strain, uncertainty, and ongoing commitments, choosing the right financing path can make a significant difference. A loan with favorable terms can provide businesses with important breathing room, enable forward planning, and help maintain operational continuity.
It is clarified that the Accountant General may change the end dates or the terms of the tracks. It is recommended to examine the eligibility criteria, the possible loan amount, and the required documents before submitting the application.
Barzily & Co. is at your service to assess your eligibility, select the appropriate track, prepare the required documents, and provide professional guidance throughout the application process with the Fund.
