Su-jin runs a cozy neighborhood cafe in Seoul, balancing daily inventory, part-time staff management, and the constant pressure of rising utility costs. This hub tracks the national schemes, tax incentives, and labor regulations that impact her bottom line and her livelihood as a small business owner.
☕ Keeping the lights on and the doors open
Managing cash flow and accessing low-interest capital is the difference between staying open or closing down.
Small Business Corporation Policy Funds
중소벤처기업진흥공단 정책자금
national · Ministry of SMEs and Startups
Who qualifies
Small business owners with less than 50 employees.
What you get
Low-interest loans for facility investment or working capital.
What it actually costs you
Detailed business plan, financial statements, and high competition for slots.
Common gotcha
The application windows are extremely short and fill up in minutes.
17states & territories — open one to see what it offers.
Seoul서울특별시
Seoul offers the most robust support for small business owners through low-interest credit guarantees and digital transformation grants that are essential for high-rent cafe operations.
💰 Keeping the cafe afloat
Seoul Credit Guarantee Foundation Loan
서울신용보증재단 소상공인 대출
state · Seoul Credit Guarantee Foundation
Who qualifies
Small business owners in Seoul with a valid business registration.
What you get
Low-interest loans backed by state guarantees to cover operational costs.
What it actually costs you
Requires business plan, tax records, and credit check; processing takes 2-4 weeks.
Common gotcha
The guarantee fee is separate from the interest rate and is often overlooked by first-time applicants.
Cafe owners can register as merchants to accept these vouchers.
What you get
Increased customer traffic as residents use vouchers with 7-10% discounts.
What it actually costs you
Zero transaction fees for merchants; requires registration on the Seoul Pay+ portal.
Common gotcha
You must ensure your POS system is compatible with the specific QR payment method used by the app.
Small Business Rent Subsidy
소상공인 임차료 지원
state · Seoul Metropolitan Government
Who qualifies
Cafe owners with annual revenue below a specific threshold in high-rent districts.
What you get
Partial reimbursement of monthly rent for a set period.
What it actually costs you
Lease agreement, proof of payment, and revenue statements.
Common gotcha
Funds are limited and distributed on a first-come, first-served basis during specific application windows.
📱 Modernizing my cafe
Smart Shop Transformation Support
스마트상점 기술보급사업
state · Seoul Small Business Center
Who qualifies
Existing cafe owners looking to install kiosks or smart ordering systems.
What you get
Up to 50% subsidy for purchasing digital ordering hardware and software.
What it actually costs you
Need to select from a list of certified vendors and submit receipts.
Common gotcha
You cannot claim the subsidy if you purchase equipment from non-certified vendors.
Small Business Digital Marketing Grant
소상공인 온라인 마케팅 지원
state · Seoul Business Agency
Who qualifies
Cafe owners needing help with social media or online delivery platform optimization.
What you get
Consulting services and vouchers for professional photography or ad spend.
What it actually costs you
Application requires a portfolio of current social media presence.
Common gotcha
The grant is often tied to specific local marketing agencies approved by the city.
Busan부산광역시
Busan offers specific support for small business owners in the hospitality sector, including local tax relief and digital transformation grants for cafes.
☕ Keeping my cafe running and growing
Busan Small Business Management Stabilization Fund
부산 소상공인 경영안정자금
state · Busan Credit Guarantee Foundation
Who qualifies
Small business owners in Busan with a valid business license.
What you get
Low-interest loans up to 50 million KRW with interest rate subsidies.
What it actually costs you
Business registration certificate, ID, and tax records; takes about 2 weeks.
Common gotcha
Funds run out quickly; apply early in the quarter.
Local cafes and restaurants adopting kiosks or table-order systems.
What you get
Up to 5 million KRW subsidy for installing digital ordering equipment.
What it actually costs you
Receipts for equipment purchase and proof of installation.
Common gotcha
Must use designated vendors approved by the city.
Busan Local Tax Reduction for Small Businesses
부산시 소상공인 지방세 감면
state · Busan Tax Division
Who qualifies
Small cafes affected by economic downturns or specific district policies.
What you get
Reduction or exemption of local business license taxes.
What it actually costs you
Application through local district office (Gu-office).
Common gotcha
Often requires manual application; it is not always applied automatically.
Busan Local Branding and Marketing Support
부산 소상공인 마케팅 지원사업
state · Busan Economic Promotion Agency
Who qualifies
Local cafes with unique concepts or local ingredients.
What you get
Free professional photography, SNS marketing consulting, and design services.
What it actually costs you
Portfolio of your cafe and business plan.
Common gotcha
Highly competitive; selection is based on the 'local story' of your shop.
🤝 Taking care of my staff
Busan Small Business Social Insurance Premium Support
부산 소상공인 사회보험료 지원
state · Busan Metropolitan City
Who qualifies
Cafe owners with fewer than 10 employees.
What you get
Partial reimbursement of employer-paid National Pension and Employment Insurance premiums.
What it actually costs you
Proof of employee insurance enrollment and payroll records.
Common gotcha
Must be enrolled in the national 'Durunuri' program first.
Busan Small Business Safety Environment Improvement
부산 소상공인 작업환경 개선사업
state · Busan Metropolitan City
Who qualifies
Cafes needing safety upgrades (ventilation, fire safety, flooring).
What you get
Up to 2 million KRW for facility renovation.
What it actually costs you
Quotes from contractors and photos of current conditions.
Common gotcha
Must not have received similar grants in the last 3 years.
Daegu대구광역시
Daegu offers specific financial support and modernization grants for small business owners like Su to upgrade cafe infrastructure and survive market shifts.
☕ Keeping the cafe running
Daegu Small Business Facility Modernization Grant
대구광역시 소상공인 시설개선 지원사업
state · Daegu Metropolitan City
Who qualifies
Small business owners with a valid business license operating in Daegu for over 6 months.
What you get
Up to 50% of renovation or facility upgrade costs, capped at 5 million KRW.
What it actually costs you
Application form, business registration certificate, and quotes from contractors; requires a competitive selection process.
Common gotcha
You must pay for the work first and get reimbursed after submitting proof of payment and completion photos.
Businesses operating for more than 6 months in Incheon.
What you get
Subsidy for interior renovation, signage, or facility repairs up to 2 million KRW.
What it actually costs you
Requires a matching fund contribution from the owner.
Common gotcha
Cannot be used for routine maintenance; must be a tangible improvement.
🤝 Taking care of my staff and myself
Incheon Social Insurance Premium Support
인천 소상공인 사회보험료 지원
state · Incheon Metropolitan City
Who qualifies
Small businesses with fewer than 10 employees.
What you get
Partial reimbursement of employer-paid social insurance premiums.
What it actually costs you
Must be enrolled in the national Durunuri program first.
Common gotcha
Payments are usually processed quarterly, not monthly.
Incheon Small Business Health Checkup Program
인천 소상공인 건강검진 지원
state · Incheon Health Department
Who qualifies
Business owners who do not have access to corporate health insurance.
What you get
Free or heavily discounted annual comprehensive health screening.
What it actually costs you
Requires proof of business registration.
Common gotcha
Must use designated partner hospitals within Incheon.
Gwangju광주광역시
Gwangju provides targeted support for small business owners through local credit guarantees and digital transformation grants to keep the city's vibrant cafe culture competitive.
☕ Keeping the cafe running and growing
Gwangju Credit Guarantee Foundation Special Loan
광주신용보증재단 특례보증
state · Gwangju Credit Guarantee Foundation
Who qualifies
Small business owners with a physical store in Gwangju operating for over 3 months.
What you get
Low-interest loans up to 50 million KRW with reduced guarantee fees.
What it actually costs you
Business license, tax payment certificate, and 2-3 weeks of processing time.
Common gotcha
The guarantee fee is lower than commercial banks, but you must still pay the interest rate set by the partner bank.
Cafe owners needing help with hygiene standards or food labeling regulations.
What you get
Free on-site inspection and guidance from experts to avoid administrative fines.
What it actually costs you
Requesting an appointment via the local district office.
Common gotcha
This is a supportive service, not an enforcement audit, so be honest about your gaps.
Gwangju Small Business Fire Safety Equipment Subsidy
소상공인 소방시설 설치 지원
state · Gwangju Fire Department
Who qualifies
Cafe owners in older buildings requiring updated fire extinguishers or alarms.
What you get
Full or partial funding for mandatory fire safety equipment installation.
What it actually costs you
Application during the annual call for proposals; requires inspection report.
Common gotcha
Limited annual budget; applications are usually processed on a first-come, first-served basis.
Daejeon대전광역시
Daejeon offers a unique ecosystem for small business owners like cafe operators, focusing on local innovation vouchers and support for digital transformation in the service sector.
☕ Growing my cafe and going digital
Daejeon Digital Transformation Voucher for Small Businesses
대전 소상공인 디지털 전환 지원사업
state · Daejeon Small Business Support Center
Who qualifies
Registered small business owners in Daejeon with less than 5 employees.
What you get
Up to 2 million KRW subsidy for installing POS systems, kiosks, or digital marketing tools.
What it actually costs you
Requires a business registration certificate and a 10% self-contribution fee.
Common gotcha
The application window is very short; usually opens in early spring and fills up within days.
Daejeon-ro (On-tong-dae-jeon) Merchant Fee Rebate
온통대전 가맹점 수수료 지원
state · Daejeon Metropolitan City
Who qualifies
Cafe owners accepting the local currency card 'On-tong-dae-jeon'.
What you get
Rebate on transaction fees for sales processed through the local currency card.
What it actually costs you
Must register as an official local currency merchant; no direct application fee.
Common gotcha
You must ensure your POS terminal is correctly configured to recognize the local currency card as a separate payment type.
Daejeon Store Interior & Safety Improvement Grant
대전 점포 환경개선 지원사업
state · Daejeon Economic Promotion Agency
Who qualifies
Cafe owners operating for more than 6 months in Daejeon.
What you get
Up to 5 million KRW for interior repairs, signboard replacement, or fire safety equipment.
What it actually costs you
Requires a detailed renovation plan and 20% co-payment.
Common gotcha
You cannot claim expenses for work already completed; you must get approval before starting renovations.
Daejeon Cafe Business Mentoring Program
대전 소상공인 경영 컨설팅
state · Daejeon Small Business Support Center
Who qualifies
Cafe owners looking to improve menu management or marketing.
What you get
Free 1-on-1 consultation with industry experts on menu pricing and cafe aesthetics.
What it actually costs you
Time spent in 3-4 sessions; no monetary cost.
Common gotcha
Experts are assigned based on availability, so you might not get a specialist in the exact coffee niche you want.
🤝 Keeping the shop running smoothly
Daejeon Social Insurance Premium Subsidy
대전 소상공인 사회보험료 지원
state · Daejeon Metropolitan City
Who qualifies
Cafe owners with part-time staff earning below a certain threshold.
What you get
Partial reimbursement of employer-paid National Pension and Employment Insurance premiums.
What it actually costs you
Requires monthly payroll records and proof of insurance payments.
Common gotcha
This is a top-up to the national program; you must be enrolled in the national program first.
Daejeon Commercial Waste Management Subsidy
대전 사업장 폐기물 처리비 지원
state · Daejeon Environmental Department
Who qualifies
Small cafes producing significant organic waste.
What you get
Discounted rates or vouchers for specialized food waste disposal services.
What it actually costs you
Must use city-approved waste collection contractors.
Common gotcha
You must keep the specific RFID-tagged waste bags or logs as proof of disposal.
Ulsan울산광역시
Ulsan is an industrial powerhouse where cafe owners benefit from specialized local credit guarantees and municipal support for small business modernization.
☕ Keeping the cafe running and growing
Ulsan Small Business Facility Modernization Grant
울산 소상공인 시설환경개선사업
state · Ulsan Metropolitan City
Who qualifies
Small business owners operating in Ulsan for over 6 months.
What you get
Up to 70% of renovation costs, capped at 2 million KRW.
What it actually costs you
Application form, business license, and proof of expenditure.
Common gotcha
You must pay the full amount first and claim reimbursement after inspection.
Zero transaction fees for payments made via the Ulsan Pay app.
What it actually costs you
Registration as a local currency merchant.
Common gotcha
Customers often expect a small discount if they pay with Ulsan Pay.
Ulsan Smart Shop Conversion Subsidy
울산 스마트상점 기술보급사업
state · Ulsan Economic Promotion Agency
Who qualifies
Cafe owners installing kiosks or smart ordering systems.
What you get
Subsidy covering 50% of hardware and software installation costs.
What it actually costs you
Quotes from approved vendors and a business plan.
Common gotcha
Only specific, pre-approved smart equipment vendors qualify for the subsidy.
🤝 Taking care of my staff and myself
Ulsan Youth Employment Incentive
울산 청년고용 지원금
state · Ulsan Metropolitan City
Who qualifies
Cafe owners hiring Ulsan residents aged 18-34 as full-time staff.
What you get
Monthly wage subsidy of 500,000 KRW for up to 6 months.
What it actually costs you
Employment contract and 4-major insurance enrollment proof.
Common gotcha
The employee must remain employed for at least 6 months to receive the full payout.
Ulsan Small Business Health Support
울산 소상공인 건강검진 지원
state · Ulsan Small Business Support Center
Who qualifies
Sole proprietors in Ulsan with no employees.
What you get
Voucher for annual comprehensive health check-up.
What it actually costs you
Proof of business registration and tax filing.
Common gotcha
Limited to specific partner hospitals in Ulsan.
Gyeonggi-do경기도
Gyeonggi-do offers the most robust support for small business owners in the Seoul metropolitan area, focusing on digital transformation and local credit guarantees.
☕ Keeping the cafe running
Gyeonggi Credit Guarantee Foundation Small Business Loan
경기신용보증재단 소상공인 특례보증
state · Gyeonggi Credit Guarantee Foundation
Who qualifies
Small business owners with a physical store in Gyeonggi-do.
What you get
Low-interest loans backed by state guarantees to cover operating costs.
What it actually costs you
Requires business registration certificate and tax payment proof; 2-4 weeks processing.
Common gotcha
The guarantee limit is strictly tied to your credit score and annual revenue.
state · Gyeonggi-do Economic & Science Promotion Agency
Who qualifies
Cafe owners facing temporary financial hardship due to market shifts.
What you get
Direct financial aid to offset monthly rent payments.
What it actually costs you
Lease agreement and proof of revenue decline required.
Common gotcha
Only available during specific application windows announced by the province.
🛡️ Taking care of the team and the space
Gyeonggi Small Business Safety Inspection Service
경기도 소상공인 안전점검 지원
state · Gyeonggi Fire and Disaster Headquarters
Who qualifies
Any cafe owner operating in a commercial building in Gyeonggi-do.
What you get
Free professional electrical and fire safety inspection for your cafe.
What it actually costs you
Zero cost; requires scheduling a site visit.
Common gotcha
If violations are found, you are legally required to fix them within a set timeframe.
Gyeonggi Youth Employment Incentive
경기도 청년 채용 지원금
state · Gyeonggi-do Labor Department
Who qualifies
Cafe owners hiring youth (ages 18-34) as part-time or full-time staff.
What you get
Monthly subsidy for a portion of the employee's wages.
What it actually costs you
Must provide proof of employment insurance and payroll records.
Common gotcha
The employee must be a Gyeonggi resident to qualify.
Gangwon-do강원특별자치도
Gangwon-do provides specific support for small business owners in the tourism and hospitality sector to navigate the unique challenges of a seasonal, mountainous economy.
☕ Keeping the cafe running
Gangwon Credit Guarantee Foundation Special Loan
강원신용보증재단 소상공인 특례보증
state · Gangwon Credit Guarantee Foundation
Who qualifies
Small business owners with a physical store in Gangwon-do.
What you get
Low-interest loans with state-backed credit guarantees.
What it actually costs you
Business registration certificate, ID, and proof of income; takes 1-2 weeks.
Common gotcha
The guarantee fee is separate from the interest rate and must be paid upfront.
Acceptance of local currency which encourages residents to spend at your shop.
What it actually costs you
Registration as a merchant through the local district office.
Common gotcha
You must ensure your POS system is compatible to process these vouchers.
Small Business Digital Transformation Support
소상공인 디지털 전환 지원사업
state · Gangwon Economic Promotion Agency
Who qualifies
Cafe owners looking to upgrade digital infrastructure like kiosks or online ordering.
What you get
Partial reimbursement for digital equipment and software costs.
What it actually costs you
Application during the annual call for proposals; requires receipts.
Common gotcha
Funds are limited and distributed on a first-come, first-served basis.
Small Business Energy Efficiency Grant
소상공인 에너지 효율화 지원
state · Gangwon Department of Economy
Who qualifies
Cafe owners replacing old refrigerators or HVAC systems.
What you get
Cash rebate for purchasing high-efficiency energy appliances.
What it actually costs you
Proof of purchase and energy efficiency rating label.
Common gotcha
Only specific energy-star rated models qualify for the rebate.
🏔️ Attracting tourists to my cafe
Gangwon Tourism Merchant Certification
강원 관광 서비스 품질 인증
state · Gangwon Tourism Organization
Who qualifies
Cafes located in major tourist zones of Gangwon-do.
What you get
Official certification badge and inclusion in provincial tourism marketing materials.
What it actually costs you
On-site inspection of service quality and hygiene standards.
Common gotcha
You must maintain specific hygiene and service standards to keep the badge.
Gangwon Local Ingredient Use Subsidy
강원 농산물 활용 지원사업
state · Gangwon Agricultural Department
Who qualifies
Cafes that source a minimum percentage of ingredients from Gangwon farmers.
What you get
Subsidies for ingredient procurement costs.
What it actually costs you
Contracts with local agricultural cooperatives as proof.
Common gotcha
Requires detailed ledger of local vs. imported ingredient purchases.
Chungcheongbuk-do충청북도
Chungcheongbuk-do offers specific support for small business owners in the hospitality sector through local credit guarantees and digital transformation grants unique to this inland province.
☕ Keeping my cafe running and growing
Chungbuk Credit Guarantee Foundation Special Loan
충북신용보증재단 소상공인 특례보증
state · Chungbuk Credit Guarantee Foundation
Who qualifies
Small business owners with a physical shop in Chungbuk with low credit scores.
What you get
Low-interest loans up to 50 million KRW with government-backed credit guarantees.
What it actually costs you
Requires business registration certificate and tax payment proof; 2-4 weeks processing.
Common gotcha
The guarantee fee is separate from the interest rate; don't confuse the two.
Cafe owners needing help with menu pricing, marketing, or legal compliance.
What you get
Free 1-on-1 sessions with professional consultants for up to 3 days.
What it actually costs you
Application form and business plan summary.
Common gotcha
Spots fill up fast in early spring; apply as soon as the portal opens.
🤝 Looking after myself and my staff
Chungbuk Small Business Social Insurance Premium Support
충북 소상공인 사회보험료 지원
state · Chungcheongbuk-do Provincial Office
Who qualifies
Cafe owners with fewer than 10 employees paying National Pension and Employment Insurance.
What you get
Partial reimbursement of employer-paid social insurance premiums.
What it actually costs you
Quarterly filing of payroll and insurance payment records.
Common gotcha
Must be enrolled in the national 'Durunuri' program first to qualify for the provincial top-up.
Chungbuk Self-Employed Health Support
충북 자영업자 건강검진 지원
state · Chungcheongbuk-do Health Department
Who qualifies
Small business owners who haven't had a checkup in over 2 years.
What you get
Voucher for advanced health screening at designated provincial hospitals.
What it actually costs you
Proof of business registration and residency in Chungbuk.
Common gotcha
Vouchers expire at the end of the fiscal year; use them by November.
Chungcheongnam-do충청남도
Chungcheongnam-do offers specialized support for small business owners in rural and semi-urban areas, focusing on local branding and digital transformation for cafes.
☕ Keeping the cafe running
Chungnam Small Business Special Financing
충남 소상공인 특례보증
state · Chungnam Credit Guarantee Foundation
Who qualifies
Small business owners in Chungnam with a physical store.
What you get
Low-interest loans with state-subsidized interest rates for up to 50 million KRW.
What it actually costs you
Business registration certificate, ID, and tax records; takes about 2 weeks.
Common gotcha
The guarantee fee is separate from the interest rate and must be paid upfront.
state · Chungcheongnam-do Economic Promotion Agency
Who qualifies
Existing cafes looking to install kiosks, smart ordering, or digital menu boards.
What you get
Up to 50% subsidy on hardware and software installation costs.
What it actually costs you
Detailed business plan and proof of store ownership; application window is usually in spring.
Common gotcha
You must use state-approved vendors to qualify for the subsidy.
Chungnam Local Food Cafe Branding Grant
충남 로컬푸드 카페 브랜딩 지원
state · Chungnam Agriculture and Fisheries Department
Who qualifies
Cafes that source at least 30% of ingredients from Chungnam local farms.
What you get
Marketing budget for local ingredient promotion and interior signage.
What it actually costs you
Invoices from local farmers and a commitment to display origin labels.
Common gotcha
Strict auditing of ingredient sourcing receipts.
Chungnam Local Tax Reduction for Small Businesses
충남 소상공인 지방세 감면
state · Chungcheongnam-do Tax Division
Who qualifies
Cafes registered as small businesses with less than 5 employees.
What you get
Reduction in local business license taxes and property tax surcharges.
What it actually costs you
Automatic application based on tax filings, but requires verification at the local county office.
Common gotcha
Does not apply to corporate-owned franchises.
🏠 Life outside the cafe
Chungnam Childcare Support Top-up
충남 아이키움 지원금
state · Chungcheongnam-do Welfare Bureau
Who qualifies
Parents running small businesses in Chungnam with children under 6.
What you get
Monthly cash top-up of 100,000 KRW on top of national child allowances.
What it actually costs you
Resident registration and proof of self-employment.
Common gotcha
Must be renewed annually even if your income doesn't change.
Chungnam Self-Employed Health Voucher
충남 자영업자 건강검진 바우처
state · Chungcheongnam-do Health and Welfare
Who qualifies
Business owners without access to corporate health insurance benefits.
What you get
Voucher covering 80% of costs for comprehensive health screening.
What it actually costs you
Application via the local public health center (Bo-geon-so).
Common gotcha
Only valid at designated regional hospitals.
Jeollabuk-do전북특별자치도
As a cafe owner in Jeonbuk, you benefit from specialized regional support for small businesses and local tourism-focused grants that help you stay competitive in the Jeonju cafe scene.
☕ Keeping the cafe running smoothly
Jeonbuk Small Business Management Stabilization Fund
전북특별자치도 소상공인 경영안정자금
state · Jeonbuk Economic Promotion Agency
Who qualifies
Small business owners with a physical shop in Jeonbuk.
What you get
Low-interest loans up to 50 million KRW for working capital.
What it actually costs you
Business registration certificate and tax payment proof; 2-3 weeks processing.
Common gotcha
The budget is limited and usually runs out within the first quarter of the year.
Employment contract and 4-major insurance registration.
Common gotcha
The employee must be a registered resident of Jeonbuk.
Jeollanam-do전라남도
Jeollanam-do offers unique support for small business owners in the food and beverage industry, focusing on regional branding and local ingredient sourcing to boost cafe competitiveness.
☕ Keeping my cafe running and growing
Jeollanam-do Small Business Special Guarantee
전라남도 소상공인 특례보증
state · Jeonnam Credit Guarantee Foundation
Who qualifies
Small business owners operating in Jeonnam with low credit scores or limited collateral.
What you get
Low-interest loans with a state-backed guarantee up to 50 million KRW.
What it actually costs you
Application fee and business license; requires a visit to the local branch.
Common gotcha
The guarantee limit depends heavily on your recent tax filing history.
Cafe owners who source at least 50% of their ingredients from Jeonnam-certified farms.
What you get
Direct subsidy covering 20% of annual ingredient procurement costs.
What it actually costs you
Requires detailed invoices and proof of origin for all local produce.
Common gotcha
You must maintain a ledger of purchases from designated local cooperatives.
Small Business Digital Transformation Grant
소상공인 디지털 전환 지원사업
state · Jeollanam-do Economic Promotion Agency
Who qualifies
Cafe owners looking to install kiosks, smart ordering systems, or digital marketing tools.
What you get
Up to 2 million KRW reimbursement for digital equipment and software installation.
What it actually costs you
Receipts for equipment and a brief business improvement plan.
Common gotcha
Only applies to equipment purchased from approved provincial vendors.
Jeonnam Cafe Environment Improvement Project
전남 소상공인 점포 환경개선사업
state · Jeollanam-do Provincial Office
Who qualifies
Owners of cafes operating for more than 6 months in Jeonnam.
What you get
Up to 5 million KRW for interior upgrades, signage, or safety equipment.
What it actually costs you
Requires a 20% self-contribution of the total renovation cost.
Common gotcha
You cannot apply if you have received similar facility grants in the last 3 years.
🤝 Taking care of myself and my staff
Jeonnam Social Insurance Premium Subsidy
전라남도 사회보험료 지원사업
state · Jeollanam-do Provincial Office
Who qualifies
Small cafes with fewer than 10 employees.
What you get
Subsidizes a portion of the employer's share of national pension and employment insurance.
What it actually costs you
Monthly payroll records and proof of insurance payment.
Common gotcha
Must be applied for annually; it does not auto-renew.
Jeonnam Small Business Owner Health Support
전남 소상공인 건강검진비 지원
state · Jeollanam-do Health Department
Who qualifies
Registered cafe owners in Jeonnam under 65.
What you get
Reimbursement of up to 150,000 KRW for comprehensive health checkups.
What it actually costs you
Receipt from a designated hospital and a health checkup certificate.
Common gotcha
Must use designated hospitals within the province.
Gyeongsangbuk-do경상북도
Gyeongsangbuk-do offers specific support for small business owners in rural and tourism-heavy areas to modernize their cafes and manage local labor costs.
☕ Keeping the cafe running and growing
Gyeongsangbuk-do Small Business Special Guarantee
경상북도 소상공인 특례보증
state · Gyeongbuk Credit Guarantee Foundation
Who qualifies
Small business owners with a physical store in Gyeongbuk.
What you get
Low-interest loans with credit guarantees up to 50 million KRW.
What it actually costs you
Requires business registration certificate and tax payment proof; takes 2-3 weeks.
Common gotcha
The interest subsidy is often limited to the first 1-2 years.
Gyeongbuk Small Business Facility Improvement Subsidy
경상북도 소상공인 시설개선 지원사업
state · Gyeongsangbuk-do Provincial Office
Who qualifies
Businesses operating for more than 6 months with annual revenue under 300 million KRW.
What you get
Up to 5 million KRW for interior renovations or equipment upgrades.
What it actually costs you
Requires 50% matching funds from the owner; receipts must be strictly documented.
Common gotcha
Funds are released as a reimbursement after work is completed and inspected.
Gyeongbuk Digital Transformation Support
경상북도 소상공인 디지털 전환 지원
state · Gyeongsangbuk-do Economic Promotion Agency
Who qualifies
Cafe owners looking to implement kiosks, smart ordering, or online marketing.
What you get
Subsidies covering 70% of costs for digital hardware and software installation.
What it actually costs you
Must provide a business plan and proof of digital service contract.
Common gotcha
You must use approved vendors listed by the provincial agency.
📍 Attracting visitors to my cafe
Gyeongbuk Local Specialty Cafe Certification
경상북도 로컬푸드 카페 인증제
state · Gyeongsangbuk-do Tourism Department
Who qualifies
Cafes using local Gyeongbuk agricultural products (e.g., apples, grapes) in their menu.
What you get
Official certification mark, inclusion in provincial tourism maps, and social media promotion.
What it actually costs you
Requires menu audit and sourcing proof from local farmers.
Common gotcha
Certification must be renewed annually with updated sourcing records.
Gyeongbuk Youth Startup Cafe Subsidy
경상북도 청년 창업 지원사업
state · Gyeongsangbuk-do Youth Policy Division
Who qualifies
Cafe owners aged 19-39 starting a business in Gyeongbuk.
What you get
Monthly rental subsidy and mentorship for the first year.
What it actually costs you
Requires participation in mandatory business training sessions.
Common gotcha
Strict age and residency requirements; you must live in the county of operation.
Gyeongsangnam-do경상남도
Gyeongsangnam-do provides critical support for small business owners through local credit guarantees and digital transformation subsidies, helping cafes stay competitive against large chains.
☕ Keeping the cafe running
Gyeongnam Credit Guarantee Foundation Loan
경남신용보증재단 소상공인 특례보증
state · Gyeongnam Credit Guarantee Foundation
Who qualifies
Small business owners in Gyeongnam with a valid business license.
What you get
Low-interest loans with state-backed credit guarantees.
What it actually costs you
Application fee varies; requires business registration and tax records.
Common gotcha
The guarantee limit is strictly tied to your credit score and annual revenue.
Local cafes and restaurants looking to implement kiosk systems or smart ordering.
What you get
Subsidies covering up to 50% of costs for digital equipment.
What it actually costs you
Must submit a business plan and proof of purchase.
Common gotcha
Funds are limited and distributed on a first-come, first-served basis.
Gyeongnam Love Gift Certificate (Gyeongnam Sarang)
경상남도 지역사랑상품권
state · Gyeongsangnam-do
Who qualifies
All registered small businesses in the province.
What you get
Ability to accept local currency, often with zero transaction fees for the owner.
What it actually costs you
Registration as a member store is free.
Common gotcha
Cannot be used in large chain franchises, only local independent cafes.
Small Business Facility Improvement Grant
소상공인 시설개선 지원사업
state · Gyeongsangnam-do Provincial Office
Who qualifies
Businesses operating for more than 6 months in Gyeongnam.
What you get
Up to 2 million KRW for interior renovations or signage upgrades.
What it actually costs you
Requires receipts and photos of the completed work.
Common gotcha
You must pay upfront and get reimbursed after inspection.
🤝 Support for my family and staff
Gyeongnam Social Insurance Premium Subsidy
경상남도 사회보험료 지원사업
state · Gyeongsangnam-do
Who qualifies
Small businesses with fewer than 10 employees.
What you get
Partial coverage of the employer's share of national pension and employment insurance.
What it actually costs you
Must maintain current employment levels for the duration of the subsidy.
Common gotcha
Only applies to employees earning below a specific monthly threshold.
Gyeongnam Youth Employment Incentive
경남 청년 채용 장려금
state · Gyeongsangnam-do
Who qualifies
Cafe owners hiring local youth (ages 15-34).
What you get
Monthly cash incentive per youth employee for up to 12 months.
What it actually costs you
Requires proof of employment contract and 4-major insurance enrollment.
Common gotcha
The employee must be a resident of Gyeongsangnam-do.
Jeju-do제주특별자치도
As a cafe owner in Jeju, you navigate unique island-specific tourism grants, waste management levies, and agricultural subsidies for local ingredients that aren't available on the mainland.
☕ Keeping the cafe running and attracting tourists
Jeju Small Business Management Stabilization Fund
제주 소상공인 경영안정자금
state · Jeju Economic Revitalization Bureau
Who qualifies
Small business owners in Jeju with less than 5 employees.
What you get
Low-interest loans up to 50 million KRW with interest rate subsidies.
What it actually costs you
Business registration certificate, tax payment proof, and 2 weeks processing time.
Common gotcha
The interest subsidy is capped, so apply early in the fiscal year before the budget runs out.
Jeju Tourism Business Digital Transformation Grant
제주 관광사업체 디지털 전환 지원사업
state · Jeju Tourism Organization
Who qualifies
Cafe owners who integrate digital payment or online reservation systems.
What you get
Up to 3 million KRW for digital equipment or software upgrades.
What it actually costs you
Proof of purchase receipts and a brief digital transformation plan.
Common gotcha
You must use pre-approved vendors for the equipment to qualify for the reimbursement.
Jeju Local Ingredient Usage Subsidy
제주산 식재료 사용 장려금
state · Jeju Agricultural Bureau
Who qualifies
Cafes that source at least 50% of ingredients from Jeju-based farms.
What you get
Quarterly cash rebate on ingredient procurement costs.
What it actually costs you
Monthly invoices from local cooperatives or farmers.
Common gotcha
You must be registered as a 'Local Food Partner' with the Jeju Agricultural Bureau first.
Jeju Beautiful Signage Support
제주 아름다운 간판 개선사업
state · Jeju City Urban Planning Dept
Who qualifies
Cafe owners in designated tourist zones looking to replace old signs.
What you get
Up to 70% of the cost of installing new, eco-friendly signage.
What it actually costs you
Design proposal must meet Jeju's strict aesthetic guidelines.
Common gotcha
The design must be approved by the local aesthetic committee before you commission the sign.
♻️ Managing waste and island living costs
Jeju Commercial Waste Disposal Rebate
제주 사업장 폐기물 처리비 지원
state · Jeju Environmental Resource Center
Who qualifies
Small cafes that use certified eco-friendly waste separation systems.
What you get
50% discount on annual commercial waste disposal fees.
What it actually costs you
Proof of waste sorting equipment installation.
Common gotcha
You must pass a surprise inspection of your waste separation area to maintain eligibility.
Jeju Island Energy Efficiency Grant
제주 에너지 효율화 지원사업
state · Jeju Energy Corporation
Who qualifies
Cafe owners installing solar panels or LED lighting.
What you get
Up to 2 million KRW in installation subsidies.
What it actually costs you
Installation contract and energy audit report.
Common gotcha
The grant is only available for equipment purchased from Jeju-based suppliers.
Jeju Commercial Water Usage Rebate
제주 상업용 수도요금 감면
state · Jeju Waterworks Headquarters
Who qualifies
Cafes that install water-saving fixtures.
What you get
10% reduction on monthly water bills.
What it actually costs you
Verification of fixture installation by a certified plumber.
Common gotcha
The rebate does not apply if you have outstanding water utility arrears.
Sejong세종특별자치시
As a cafe owner in a planned administrative city, you benefit from unique urban incubation grants and local business support programs designed to sustain the city's growing service economy.
☕ Keeping my cafe running and growing
Sejong Small Business Special Guarantee
세종시 소상공인 특례보증
state · Sejong Credit Guarantee Foundation
Who qualifies
Small business owners with a physical store in Sejong city.
What you get
Low-interest loans up to 50 million KRW with reduced guarantee fees.
What it actually costs you
Business registration, tax payment proof, and a visit to the foundation office.
Common gotcha
The annual quota fills up very quickly in the first quarter of the year.
