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RealFix Finance
Corporate Finance
Business Credit in Israel 2025
Complete Guide for Entrepreneurs & Business Owners
For Business Owners: Whether you are starting a new venture in Israel, expanding an existing business, or need working capital - this guide covers all your financing options, including state-backed guarantees and solutions when banks say no.
Updated: February 2026•10 min read•For Business Owners
Types of Business Financing in Israel
State-Backed Loans
Government guaranteed loans through the Small Business Agency (SBA equivalent in Israel).
- • Up to ₪500,000 for small businesses
- • Lower interest rates (Prime + 2-3%)
- • Extended repayment terms
- • Requires business plan
Bank Business Loans
Traditional bank financing for established businesses.
- • Requires 2+ years of financial statements
- • Credit check (BDI) required
- • Collateral often needed
- • Competitive rates for strong businesses
Non-Bank Lenders
Alternative financing for businesses that do not qualify for bank loans.
- • Insurance companies (Migdal, Harel)
- • Fintech lenders
- • Higher interest but flexible terms
- • Accept businesses with BDI issues
Asset-Based Lending
Loans secured against business or personal assets.
- • Use real estate as collateral
- • Equipment financing
- • Invoice factoring
- • Lower rates due to security
Special Note for New Olim & Entrepreneurs
Starting or relocating a business to Israel? Here are key things to know:
Challenges
- • No Israeli business credit history
- • Banks want 2+ years of Israeli records
- • Different accounting standards
- • Language barriers in applications
Solutions
- • Government programs for Olim entrepreneurs
- • Use personal property as collateral
- • Strong business plan overcomes history
- • Work with bilingual advisors
Calculate Your Business Loan Cost
Understand the true cost including fees, interest, and effective APR.
Need Business Financing?
Our corporate finance team specializes in complex cases. Bank said no? We have alternatives. Free consultation in English.