KOSGEB-backed financing for SME investments in artificial intelligence

For SMEs planning to invest in artificial intelligence, assessing financing options is just as important as choosing the technology. KOSGEB-backed loans offer an option to consider for investments in software, hardware and AI solutions. At X Mind Solutions, we position KobiGPT, our AI assistant platform focused on SMEs, within this investment context. Reviewing how the solution will be used alongside the financing terms can help businesses develop a more robust transformation plan.

The financing framework features loans of up to TRY 20 million and grant-based interest support of up to 20%. It is important to distinguish between the loan amount and the interest support: interest support does not mean that the entire investment cost is covered by a grant. Nor do the upper limits mean that every business will receive the same amount of financing. Before applying, it is important to confirm the current terms, the business’s eligibility and the scope of the investment with KOSGEB.

KobiGPT is an AI assistant platform for SMEs that can run on-premises or as a web-based solution. As such, it aligns with the category of AI solutions specified within the support framework. However, a solution’s inclusion in the AI category does not mean that the corresponding investment will automatically be approved for support. Businesses wishing to include KobiGPT in their financing plans need to assess separately whether the selected solution and the associated investment items comply with the current support terms.

The first step in preparing an investment should be to clarify which business need the AI assistant will address. When assessing on-premises or web-based deployment, existing systems, access requirements and intended workflows can be considered together. Defining software and hardware requirements within this context helps establish financing needs more clearly. This ensures that the technology choice is based not only on the availability of credit, but also on the business’s actual use case.

When assessing a loan, businesses should review the total cost and repayment terms offered rather than focusing solely on the support rate. The phrase “interest support of up to 20%” should not, on its own, be interpreted as a guarantee of interest-free financing. You can contact X Mind Solutions for detailed information about KobiGPT and to discuss the deployment option that suits your business. We recommend making your financing decision by considering the current official support terms alongside your investment needs.