Compare official 2026 new and renewal fees, shared preparation, verified financing, procurement, and support value, overlap, ROI, and payback over 36 months.
Operating history and self-assessment scores are reference checks only. Shared preparation time is counted once when pursuing both programmes.
Both programmes generally require an SME with at least three years of operating history.
The application reference threshold is 650 out of 1,000 points.
The application reference threshold is 600 out of 1,000 points.
Use the employer cost and opportunity cost rather than take-home pay.
Enter time spent once on company, finance, and workforce documents reused by both applications.
Applied to the smaller expected benefit. This is a planning assumption, not an official rate.
Enter assumptions tied to technology innovation and commercialization capability.
Include self-assessment, evidence, and on-site review work unique to this programme.
Private consulting is not an official mandatory fee.
Add only non-duplicated travel, issuance, or document costs.
Use guarantee-fee and interest savings verified by the guarantor or bank.
Enter incremental contribution after variable costs, not gross revenue.
Enter only expected value supported by verified eligibility, scoring, and selection assumptions.
Discount uncertain benefits with a conservative probability.
Zero means immediate; six means benefits begin after a six-month delay.
Enter assumptions tied to management innovation activities and results.
Include self-assessment, evidence, and on-site review work unique to this programme.
Private consulting is not an official mandatory fee.
Add only non-duplicated travel, issuance, or document costs.
Use guarantee-fee and interest savings verified by the guarantor or bank.
Enter incremental contribution after variable costs, not gross revenue.
Enter only expected value supported by verified eligibility, scoring, and selection assumptions.
Discount uncertain benefits with a conservative probability.
Zero means immediate; six means benefits begin after a six-month delay.
Highest input-based net value
Main-Biz
This is not an eligibility or suitability recommendation.
Expected net value from both
-KRW 1,320,000
Overlap deduction KRW 0
Incremental net value vs best single
-KRW 770,000
Shared preparation time is counted once.
Break-even annual benefit at the current probability and start month: KRW 513,333
Break-even annual benefit at the current probability and start month: KRW 366,667
These checks compare only operating history and entered self-assessment scores. They do not assess SME status, industry, exclusions, on-site results, or technology rating.
Three-year history
Reference threshold met
Inno-Biz 650 points
Reference threshold met
Main-Biz 600 points
Reference threshold met
| Programme | Online | On-site | Additional check | Validity |
|---|---|---|---|---|
| Inno-Biz | 650 | 700 | Technology rating B or higher | 36 months |
| Main-Biz | 600 | 700 | Management-innovation assessment requirements | 36 months |
Inno-Biz identifies technology-innovation SMEs, while Main-Biz identifies management-innovation SMEs in South Korea.
Both generally require at least three years of operating history, but they examine different capabilities.
Inno-Biz emphasizes the technology-innovation system, performance, and commercialization potential, whereas Main-Biz emphasizes management-innovation activities and results.
The published new-assessment fees are KRW 770,000 for Inno-Biz and KRW 550,000 for Main-Biz, including VAT.
A sound decision also includes employee preparation time, optional consulting, on-site assessment support, and benefits that the business can substantiate.
This calculator places Inno-Biz alone, Main-Biz alone, and both programmes on the same 36-month validity horizon.
The scenario with the highest net value is only a ranking of your financial inputs.
It does not predict selection, on-site assessment scores, technology ratings, or access to any support programme.
The values below were cross-checked against the current operating rules and official programme portals on August 8, 2026.
The rules state fees before VAT, while the portals publish the amount a business pays including VAT.
| Reference | Inno-Biz | Main-Biz |
|---|---|---|
| Assessment focus | Technology-innovation system, outcomes, and commercialization | Management-innovation activities, system, and results |
| Operating history | At least 3 years | At least 3 years |
| Online self-assessment | 650 or higher | 600 or higher |
| On-site assessment | 700 or higher, plus technology rating B | 700 or higher |
| New fee including VAT | KRW 770,000 | KRW 550,000 |
| Renewal fee including VAT | KRW 440,000 | KRW 440,000 |
| Validity | 3 years from issuance | 3 years from issuance |
The Inno-Biz rule states KRW 700,000 for a new assessment and KRW 400,000 for renewal before VAT.
The Main-Biz rule states KRW 500,000 and KRW 400,000 respectively before VAT.
Recheck the payable portal amount immediately before applying.
Cash cost equals the official fee, optional consulting, and other direct costs.
Internal time cost equals shared hours plus programme-specific hours, multiplied by the internal hourly cost.
Both official fees and both sets of direct costs are included.
Shared preparation hours are counted once, while each programme-specific workload remains separate.
Annual financing, commercial, support, and other benefits are multiplied by realization probability and active years.
The same realization probability is applied to the one-time benefit before it is added.
The entered overlap percentage is applied to the smaller of the two expected benefit streams and deducted from the joint result.
This is a planning model to prevent double counting, not an official stacking rule.
First confirm that total economic cost fits the budget, then revisit every benefit source and realization assumption.
Compare net benefit, ROI, benefit-cost ratio, and payback only after those inputs are defensible.
Record strategic value separately when a customer requirement matters but cannot be converted reliably into cash.
| Benefit | Amount to enter | Supporting evidence |
|---|---|---|
| Financing | Annual interest and guarantee-fee difference from the best available alternative | Guarantee offer, bank quotation, eligible balance, and term |
| Procurement and sales | Probability-adjusted incremental contribution margin, not revenue | Tender notice, scoring table, customer requirement, and historic win rate |
| R&D and support | Net expected value after selection probability and company contribution | Programme notice, scoring points, cap, matching funds, and stacking limits |
| One-time value | A non-recurring incremental amount with a payment or saving basis | Selection letter, contract, or fee-reduction confirmation |
Start with the Inno-Biz scenario when the business can document its development organization, intellectual assets, innovation outcomes, and commercialization process.
Passing the 650-point online reference does not replace the 700-point on-site assessment and technology rating B requirement.
Start with the Main-Biz scenario when customer management, workforce, operations, service delivery, and financial controls show measurable innovation results.
The 600-point online reference remains separate from the 700-point on-site assessment and exclusion checks.
The joint scenario becomes relevant when both evidence sets are strong and company documents can be reused.
Because financing and procurement value rarely doubles with the number of designations, compare overlap assumptions of zero, fifty, and one hundred percent before deciding.
A company may pursue both when it meets each programme’s target and assessment criteria, but the applications and assessments remain separate.
The calculator counts only shared document work once and still includes both fees and programme-specific preparation.
No.
Inno-Biz also requires the on-site score and technology rating, while Main-Biz requires its on-site management-innovation assessment and all other eligibility checks.
No private consulting fee is part of the official mandatory assessment fee.
Keep the input at zero when preparing internally, or enter only an actual quotation after reviewing scope and refund terms.
A published maximum is not an automatic cash benefit for every designated business.
Confirm the eligible balance, term, credit assessment, procurement notice, and difference from the best alternative before entering an amount.
There is no universal official overlap rate.
Review whether both designations create separate incremental value for each loan, tender, and support programme, then compare conservative cases when evidence is weak.
No.
Venture-business confirmation follows separate statutory routes, and ISO follows international management-system audits, so calculate their costs and benefits separately.
Inputs were verified on August 8, 2026.
Statutes and administrative rules came from the Korean Law Information Center, while VAT-inclusive payable fees and process details came from the official programme portals.
Venture-business confirmation and ISO certification have different legal bases, assessment cycles, costs, and benefits.
Use their dedicated calculators and avoid entering the same financing or commercial value under more than one designation.