다시 일어설 수 있어요! 소상공인 재기자금, 지금 신청하세요
폐업의 아픔을 딛고 다시 일어서려는 소상공인 여러분, 힘내세요! 정부에서 재창업과 생계 회복을 위한 든든한 버팀목, '재기자금'을 지원합니다. 막막한 현실 속에서도 희망을 잃지 않고 다시 도전을 꿈꾸는 여러분을 위해, 재기자금 지원 내용을 상세히 안내해 드립니다.
🟦 소상공인 재기자금이란?
폐업은 누구에게나 힘든 경험입니다. 특히 소상공인에게는 삶의 기반을 잃는 것과 같은 어려움으로 다가올 수 있습니다. 정부는 이러한 어려움을 극복하고 재도전의 기회를 제공하기 위해 재기자금을 지원하고 있습니다. 재기자금은 단순한 대출이 아닌, 컨설팅, 교육, 운영자금을 연계한 종합적인 재도전 지원 패키지입니다.
재기자금, 왜 필요할까요?
- 자금 부족 해소: 폐업 후 재창업 또는 생계 유지를 위한 자금 확보가 어렵습니다. 재기자금은 이러한 자금난 해소에 도움을 줍니다.
- 재도전 역량 강화: 컨설팅 및 교육을 통해 실패 원인을 분석하고, 성공적인 재창업 전략을 수립할 수 있도록 지원합니다.
- 심리적 안정: 재도전을 위한 정부의 지원은 심리적 안정감을 제공하고, 긍정적인 마음으로 다시 시작할 수 있도록 돕습니다.
🟦 누가 신청할 수 있나요? 재기자금 신청 자격
재기자금은 다음과 같은 조건을 모두 만족하는 소상공인이 신청할 수 있습니다.
| 항목 | 세부 내용 |
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폐업 상태여도 괜찮습니다! 지금 바로 재기자금 신청하고, 새로운 시작을 위한 발판을 마련하세요. 컨설팅부터 자금 지원까지, 정부가 함께 하겠습니다.
🟦 얼마나 지원받을 수 있나요? 재기자금 지원 내용
재기자금은 소상공인의 상황에 맞춰 다양한 방식으로 지원됩니다. 주요 지원 내용은 다음과 같습니다.
- 대출 한도: 최대 7,000만 원 (운영자금 및 시설자금 포함)
- 금리: 연 1.0% ~ 2.5% 내외 (신용 및 담보 조건에 따라 차등 적용)
- 상환 방식: 거치 2년 후 3~5년 분할상환
- 보증 연계: 지역신용보증재단 보증서 발급 필수
💡 교육 수료자 및 사전 승인 완료 시 심사 생략 또는 간소화 혜택이 제공됩니다.
🟦 신청 전 꼼꼼히! 재기자금 신청 준비 서류
재기자금 신청을 위해 다음과 같은 서류를 준비해야 합니다.
| 서류 |
발급처 |
| 폐업사실증명원 |
홈택스 |
| 교육 수료증 |
재도전/희망리턴패키지 수료 후 발급 |
| 사업계획서 |
온라인 작성 또는 양식 다운로드 |
| 신분증, 통장사본 |
대출 실행용 |
📌 신청 사이트에 따라 일부 서류는 자동 연동 처리됩니다.
🟦 재기자금 신청 방법, 어렵지 않아요!
재기자금 신청은 온라인으로 간편하게 진행할 수 있습니다.
- 소상공인정책자금 사이트 접속: https://ols.sbiz.or.kr
- '재기자금' 메뉴 클릭: 온라인 신청 메뉴 선택
- 본인 인증 및 기본 정보 입력
- 교육 수료 여부 확인 후 사업계획 등록
- 심사 후 승인: 지정 은행에서 대출 실행
📞 관련 문의는 중소기업통합콜센터 1357 또는 지역 소진공 센터에서 가능합니다.
🟦 재기자금 신청 시 유의사항
재기자금은 단순한 대출 상품이 아닌, 재도전 지원 패키지와 연계된 정책자금입니다. 따라서 다음과 같은 사항에 유의해야 합니다.
- 사전 상담 및 컨설팅 수료 필수: 자격 요건을 만족하더라도 사전 상담이나 컨설팅 수료가 없으면 신청이 불가합니다.
- 신용 조건 확인: 신용불량자, 체납자, 타 정책자금 중복 수혜자는 일부 제한될 수 있습니다.
- 컨설팅 → 자금 연계 순서 준수: 반드시 컨설팅을 먼저 받고, 자금을 연계하는 순서로 진행해야 합니다.
🟦 마무리
실패는 끝이 아닌 새로운 시작입니다. 소상공인 재기자금은 여러분의 용기 있는 도전을 응원하며, 성공적인 재창업과 안정적인 생계 회복을 지원합니다. 지금 바로 신청하고, 희망찬 미래를 만들어나가세요! 정부는 항상 여러분 곁에 있습니다.