L-Bank Staatsbank für Baden-Württemberg

L-Bank is the development bank of the state of Baden-Württemberg and a legally independent public institution headquartered in Karlsruhe. On behalf of the state, it specifically supports the economy, municipalities, and citizens within the state. Its offerings range from financing and guarantee programs for start-ups, small and medium-sized enterprises to investment loans for municipal infrastructure and housing construction. Additionally, L-Bank administers family benefits such as parental allowance, supports educational and qualification measures, and is committed to environmental and climate protection. As a partner of all primary banks, it does not compete with credit institutions but works closely with them in implementing funding solutions.

Our mission is to preserve and further develop Baden-Württemberg as a livable region. To this end, we provide impetus for innovation, growth, and sustainable development: We support companies in startups, investments, and digitalization, assist municipalities in expanding their infrastructure, help families and individuals on their path to homeownership, and contribute to environmental and climate protection. In doing so, we act in a spirit of partnership, transparency, and service orientation.

The funding programs of L-Bank are aimed at entrepreneurs and start-ups in Baden-Württemberg, municipalities and public institutions, private individuals and families, educational providers and institutions in the fields of qualification, education, and language requirements, as well as investors and support associations wishing to invest in the economic and social development of the state. All target groups benefit from individual, partly repayment-free financing solutions, grants, guarantees, and online-supported application processes.