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BTB, in collaboration with the New State-Guaranteed Fund for Small and Medium Businesses

Non-bank credit with excellent terms to help your business grow.
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Why choose BTB as the financing body for a loan from the new fund?

Financing of 8%
of annual sales turnover

Fast loan approval
with BTB

Convenient repayment terms
of up to 5 years

Social credit,
raised directly from the public

Non-bank
financing

Full financing
with no equity required

The collaboration
that changes the picture

The State of Israel and the Ministry of Finance made a strategic decision to allow non-bank credit institutions to provide state-guaranteed loans in order to increase competition among credit providers and to give business owners a wider variety and more opportunities for financing. This collaboration is truly significant news for business owners, for investors, for the platform itself – and for the entire Israeli economy.

Business Owners

Business Owners

From today, both existing businesses and startups can receive fast, high-quality credit on competitive terms – with a “social twist.” The loan funds are raised from the public, which in return receives all the interest. Business owners benefit from quality, rapid credit to grow their businesses – and the public enjoys fair interest without any bank intermediation.

Investors

Investors

Thanks to the collaboration between the Ministry of Finance and BTB, the public can, for the first time, enjoy investing in state-guaranteed loans – a privilege that until now was reserved only for banks. This means that in addition to the effective protections we already provide our investors on a regular basis, these loans also grant them an extra layer of security in the form of a state guarantee of up to 85% of the loan amount.

The Platform

The platform

The Ministry of Finance’s decision to choose BTB as one of the institutions authorized to provide state-guaranteed loans is a tremendous vote of confidence in the platform’s operations. In the UK and the US, collaborations between P2P platforms and the government have led to major revolutions in the entire banking sector – and that is exactly where we are headed.
Interview with Shlomi Turgeman, Founder and CEO of BTB, on Channel 13, 4.12.22

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Have a question?
Find answers to frequently asked questions about the State-Guaranteed Loan

Have a question?
Find answers to frequently asked questions about the State-Guaranteed Loan

The loans are intended for small and medium-sized businesses across all sectors: commerce, industry, agriculture, services, and tourism – with an annual sales turnover of up to NIS 100 million. In addition, there is a special track designated for startups and new businesses that have not yet begun operations.
The credit application is submitted through a dedicated website operated by the Ministry of Finance, where the business owner provides details about their business activity and credit needs, and uploads the required set of documents for verification, as defined by the Ministry of Finance. At this stage, you must select BTB as the financing institution.

Business owners who wish to do so are welcome to contact us for guidance and assistance.

To visit the Ministry of Finance website for more details and to submit your application, click here.
Your credit application is reviewed by the coordinating body, on behalf of the Ministry of Finance and the State of Israel. More information can be found on the fund’s page of the coordinating body, BDSK – here.
The information on this website is partial and provided as a public service only. It does not constitute an official document of any kind. The full and accurate information regarding the types of loans available under the fund, the eligibility criteria, and the process required to obtain a loan is held by the coordinating bodies and financial partnerships operating within the fund, and is based on the terms of the tenders won by these coordinating bodies and financial partnerships for the fund’s operation.
The State-Guaranteed Loan Fund for Small and Medium-Sized Businesses is a fund managed by the Ministry of Finance with the goal of expanding the availability of credit for SMEs, through financial institutions that have been reviewed and approved by the Ministry of Finance according to the eligibility criteria for participation in the fund. In accordance with the fund’s rules and regulations, these financial institutions provide state-guaranteed loans to business owners under various loan tracks.
 
The fund was established in 2001 and began operations in 2003. Its purpose is to assist any small or medium-sized business, across all industries and throughout the country. Over the years, the fund, with the support of state guarantees, has helped tens of thousands of businesses grow and develop. This growth has also contributed to job creation and to driving Israel’s main engine of economic growth.

The maximum loan amount is NIS 500,000 or 8% of the previous year’s annual sales turnover, whichever is higher.

For business owners, choosing BTB is the natural choice. BTB is a credit provider specializing in the business sector – founded specifically for businesses – and sees them as the true heroes and growth drivers of the economy.
A borrower who is approved for a state-guaranteed loan and chooses BTB as their credit provider immediately becomes a BTB client. From that point on, once the loan is approved and granted, they can approach BTB for additional financing and benefit from the wide range of credit solutions BTB offers business owners for growth and development. Our flagship product is solo credit of up to NIS 1 million for existing clients.
BTB offers long-term business relationships and a variety of credit products to support day-to-day business operations, beyond the state-guaranteed fund, with personal, high-quality, and fast credit underwriting.
In addition, since BTB raises funds directly from the public, it is the public that earns the interest generated by the loans. By choosing BTB, you are helping promote a new, more social model of banking.

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Who are we?

BTB is a pioneer of P2P lending in Israel. The platform began operating in 2014 after several years of intensive planning and development, once we were confident in the revolutionary product we built (you know, no half measures…). Since its founding, BTB has promoted legislation enabling the public in Israel to benefit from social lending — both as investors and as business owners seeking loans. By leveraging advanced financial technology, BTB has sparked a revolution, creating real competition in Israel’s credit market — allowing anyone to invest in Israeli businesses and earn interest. Now that we’ve introduced the platform, it’s time to meet the people behind it: the founders are Shlomi Turgeman (CEO) and Alon Katz (Deputy CEO), who also serve as directors. The company’s board includes Danny Krost (Chairman), Iris Shalegi, and Eli Kedush — all with extensive experience in banking, social entrepreneurship, and marketing, counted among Israel’s top experts. We work hard to make things easy for you. We love what we do — and we love success. We are technological, human, fast, and professional. We are the banking of the future. We are BTB.
Our loans are not available to every business, but only to those with a proven track record, at least one year of business activity, cash flow, and growth potential. Did you know that small and medium-sized businesses generate 54% of the GDP? This means that your investment, no matter the amount, joining thousands of other investors — helps advance the economy and business growth. We offer market-breaking loans to business owners who want and are able to grow — from ₪100,000 up to ₪1,000,000, for periods of 4–8 years. And of course, there are also longer loans for property owners — up to 40 years, secured by real estate or a cash deposit. So what do we have? BTB investors earn all the interest on the loans, and Israeli businesses and property owners receive the credit they need to achieve their goals. Simple, fair, smart.

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