The 5+5 million forint loan and support scheme for restaurants can be applied for from the end of March

With the 5+5 scheme, the government combines the advantages of a preferential loan and a non-refundable subsidy, providing a new opportunity for growth and development for restaurants, which represent the largest segment of the hospitality sector in terms of both business and employment volume. 

Gusztáv Láving, CEO of the Kisfaludy Tourism Credit Center (KTH), highlighted at the press conference: KTH Start loans provide financing accessible to micro, small and medium-sized enterprises operating in tourism, as well as to tax-registered individuals and sole proprietors, to implement their growth plans. Regarding the new 5+5 combined scheme that will soon be opened for restaurants, he highlighted that the aim was to provide the hospitality sector with a stable, predictable source of funding to support daily operations and developments. The special feature of the scheme is that the 5 million forint grant can only be applied for in addition to a 5 million forint KTH Start loan.

The loan application can only be initiated online, from the National Tourism Data Service Center (NTAK), and the entire process is digital and fast.

Financing works well if it adapts to the needs of businesses, highlighted Anikó Suhajda-Molnár, CEO of the Kisfaludy Program, which provides the source of non-refundable support. Therefore, restaurants can use the support portion flexibly for a variety of purposes, such as purchasing equipment, financing their operating costs, digitalization, and developments to improve service standards. The goal is for operators to prepare for the next peak season with a stable operating background and strengthened,” said CEO Anikó Suhajda-Molnár.

The 5+5 promotion will be available from March 23, 2026. Details and loan calculator: www.kth.hu; call for applications for the non-refundable grant: www.kisfaludyprogram.hu.

The non-refundable grant most important conditions:

• available exclusively to restaurants,
• can be applied for once,
• application for the subsidy is subject to a positive KTH loan decision and a signed loan agreement,
• based on data provided by the National Tourism Data Service Center (NTAK),
• the operator has sent daily closing and traffic data for the days it is open to NTAK for at least 250 days in 2025,
• in the 20 days preceding the application, daily closing and traffic data for the days it is open to NTAK,
• and the net sales revenue of the operator of the catering business has reached or exceeded 12 million forints in the past 12 months.

The Main features of KTH Start loans:

• can be applied for without collateral or guarantor,
• 3–5 year term,
• fixed 2.5% interest rate,
• 12 month principal repayment grace period,
• repayments can be adjusted to the tourist season,
• free prepayment.