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Source: BUS Sachsen-Anhalt (Linie6PLus)

Apply for KfW's promotional loan "Unternehmerkredit Plus" - No. 044, 046


Funding objective

The promotional loan is used to develop or produce new or substantially improved products, processes or services that are innovative.

Who is eligible for funding?

The following are eligible:

  • small and medium-sized enterprises (SMEs) with
    • less than 250 employees, and
    • an annual turnover of no more than EUR 50 million or an annual balance sheet total of no more than EUR 43 million.
  • larger medium-sized companies with
    • fewer than 500 employees and mostly privately owned, and
    • a group turnover of no more than 500 million euros.
  • Freelancers, e.g. doctors, tax consultants, architects

The companies or freelancers must have at least two annual financial statements.

The following are not eligible:

  • Restructuring cases and companies in difficulty
  • applicant companies in which KfW has a direct stake of at least 10%
  • Companies whose activities do not comply with the requirements of the InnovFin Guarantee
  • Installations for the use of renewable energies
  • Debt restructuring and refinancing of projects that have already been completed, as well as follow-up financing and extensions, or
  • Acquisition of a company/shareholding

What is funded?

  • Investments - can be capitalized in fixed assets (e.g. purchase of machinery, plant, vehicles and equipment; commercial construction costs, etc.)
  • Working capital (e.g. running costs, acquisition of current assets, etc.)
  • Store

How is funding provided and what conditions apply to the KfW Entrepreneur Loan Plus:

Type of funding

  • low-interest loan

Interest on the loan

  • The interest rate is fixed for the entire term of the loan.
  • The program interest rates are based on the development of the capital market and the creditworthiness of the borrower. Particularly favourable interest rates apply in the SME window.
  • The loan is promised with a customer-specific interest rate within the framework of the maximum interest rate applicable on the day of the commitment of the respective price range.
  • The interest rate is determined by the house bank, taking into account the economic circumstances of the borrower (creditworthiness) and the intrinsic value of the collateral provided for the loan.

In this context, they are classified into creditworthiness and collateral classes specified by KfW.

Amount of funding

  • The maximum loan amount is: up to EUR 7.5 million per project
  • up to 15 million euros per group of companies
  • Minimum loan amount is: 25,000 EUR

Disbursement of funding

  • 100% of the loan amount

Duration of funding

  • Working capital and warehouse financing
    • Up to 5 years with a maximum of one grace period (5/1).
  • Investment financing
    • up to 10 years with a maximum of 2 grace years (10/2).

Repayment of the loan amount

  • after a grace period in equal quarterly instalments

Collateral for the loan

  • Customary bank collateral for credit (agreement with the house bank).
  • KfW grants the intermediary bank a 50 percent exemption from liability.

The company must innovate. If a company fulfils at least one criterion from the following criteria set out in the InnovFin SME Loan Guarantee Facility at the time of application, it will be considered innovative:

The company

  • has grown by an average of more than 20% per annum in the last three years,
  • has used at least 80% of the loan amount to finance research and development costs,
  • has used the loan amount for new or substantially improved products, processes or services,
  • has contributed a certain proportion of the expenditure on research and development,
  • has received grants, loans or guarantees from European or national research and/or innovation programmes in the last 36 months;
  • received an innovation award in the last 24 months
  • obtained an industrial property right in the last 24 months,
  • needed financing to enter a new market.

The KfW portal provides the necessary application forms, evidence and documents.

  • You will not incur any fees or costs for applying for the loan.
  • You will incur interest on the loan.
  • You may have to pay a commitment commission of 0.25 percent per month on amounts not yet called, starting two banking days and one month after KfW's loan approval.

Submit your application to a bank of your choice before the start of your project to be financed.

Do not start your project before the conclusion of the loan agreement.

Seek advice as early as possible from your house bank, which will accompany you in lending.

  • Your house bank fills out the loan application with you and
  • forwards your application and the other required documents to KfW Group. KfW will check whether you meet the requirements for funding.

If the loan is approved, you can call up the amount through your house bank and start your project.

There is no legal entitlement to the promotional loan.

A combination with other KfW programmes and public subsidies is possible (except with other liability-exempt KfW promotional loans).

Federal Ministry for Economic Affairs and Energy

The text was automatically translated based on the German content.

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