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Source: BUS Sachsen-Anhalt (Linie6PLus)

Apply for a promotional loan from KfW "Unternehmerkredit Plus" - No. 044, 046


Funding objective

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

Who is funded?

The following are eligible for funding:

  • small and medium-sized enterprises (SMEs) with
    • less than 250 employees and
    • an annual turnover not exceeding EUR 50 million or an annual balance sheet total of not more than EUR 43 million.
  • larger medium-sized companies with
    • less than 500 employees and mostly privately owned and
    • a group turnover of up to 500 million euros.
  • Freelancers, e.g. doctors, tax consultants, architects

The companies or freelancers must be able to present at least two annual accounts.

The following are not eligible:

  • Restructuring cases and companies in difficulty
  • applicant companies in which KfW holds a direct stake of at least 10%
  • Companies whose activities do not comply with the requirements of the InnovFin guarantee
  • Plants for the use of renewable energies
  • rescheduling and refinancing of already completed projects as well as follow-up financing and prolongations, or
  • Acquisition of companies/shareholdings

What is funded?

  • Investments - capitalizable in fixed assets (e.g. purchase of machinery, equipment, 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 maximum interest rate of the respective price range applicable on the day of the commitment.
  • The interest rate is determined by the house bank taking into account the economic circumstances of the borrower (creditworthiness) and the recoverability of the collateral provided for the loan.

This is classified into credit rating 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

  • Financing of working capital and warehouses
    • Up to 5 years with a maximum of one repayment-free start-up year (5/1).
  • Investment financing
    • up to 10 years with a maximum of 2 repayment-free start-up years (10/2).

Repayment of the loan amount

  • after repayment-free start-up period in equally high quarterly installments

Collateral for the loan

  • Customary bank collateral for credit (agreement with the house bank).
  • KfW grants the transmitting credit institution a 50 per cent exemption from liability.

Get advice from your house bank as early as possible, 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 checks whether you meet the requirements for funding.

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

The company must be innovative. If a company fulfils at least one criterion from the following criteria of the InnovFin SME Loan Guarantee Facility when submitting the application, it is classified as innovative:

The Company

  • has grown on average 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 research and development expenses,
  • 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,
  • needs financing to enter a new market.

The KfW Portal provides the necessary application forms, proofs and documents.

  • You will not incur any fees or costs for applying for the loan.
  • There are loan interest rates for you.
  • If necessary, you have to pay a provision commission of 0.25 percent per month on amounts that have not yet been called, starting with two bank working days and one month after KfW has agreed to a loan.

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

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

There is no legal claim to the promotional loan.

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

The text was automatically translated based on the German content.

Federal Ministry for Economic Affairs and Energy

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