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Source: BUS Sachsen-Anhalt (Linie6PLus)

Apply for promotional loan from KfW "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 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 not exceeding EUR 43 million.
  • larger medium-sized companies with
    • fewer than 500 employees and the majority of them privately owned, and
    • a group turnover of no more than EUR 500 million.
  • freelancers, e.g. doctors, tax consultants, architects

Companies or freelancers must have at least two annual accounts.

The following are not eligible:

  • Reorganisation cases and firms 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
  • Installations for the use of renewable energies
  • debt rescheduling and refinancing of already completed projects as well as follow-up financing and prolongations, or
  • Acquisition of companies/shareholdings

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 committed with a customer-specific interest rate within the framework of 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 value of the collateral provided for the loan.

This is 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: 25,000 EUR

Payment of funding

  • 100% of the loan amount

Duration of funding

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

Repayment of the loan amount

  • after repayment-free start-up period in equal quarterly instalments

Collateral for the loan

  • Customary bank collateral for credit (agreement with the house bank).
  • KfW grants the transferring bank a 50 per cent indemnification.

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 necessary documents to KfW Group. KfW checks 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.

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

The Company

  • has grown on average more than 20% per year 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
  • has 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, evidence and documents.

  • There are no fees or costs for applying for the loan.
  • You will incur loan interest.
  • You may have to pay a commitment commission of 0.25 per cent per month on amounts not yet called, starting two banking days and one month after KfW has approved the loan.

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

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

There is no legal entitlement to the promotional loan.

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

The text was automatically translated based on the German content.

Federal Ministry for Economic Affairs and Energy

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