Agriculture and Food Industry – Operating Resources
Companies in the agricultural and food industry can finance their working capital requirements with an interest-subsidized loan of up to €10 million per year. Applications can be submitted at any time through the house bank in Baden-Württemberg.
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Grant criteria
Funding objective
Financing of working capital requirements as well as business acquisitions and takeovers of small and medium-sized agricultural and food industry enterprises
Eligible expenses
- Acquisition of operating resources (e.g., fertilizers, seeds, feed)
- Ongoing operating costs (personnel, rent, vehicles, interest)
- Business purchases and takeovers of SMEs
Non-eligible expenses
- Installation of fossil fuel boilers from 01.01.2025
- Debt restructuring
- Acquisition of company shares as a financial investment
- Projects subject to exclusion criteria of Rentenbank
- Primary production of agricultural products
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Eligible to apply
- Companies
Funding requirements
- Investment location in Baden-Württemberg
- Commercial activity in the agricultural and food industry
- Interest-subsidized loan through the house bank procedure
Documents required for application
- Program Information Sheet Agricultural and Food Industry – Operating Resources (KF778645LB)
- Application Form WF_1001
- Aid Application WF_1301
- De-minimis Declaration Form 1332
- Cumulative Declaration WF_1302
- Product Information Sheet
- Overview of Agricultural Funding Conditions
- Product-specific Data Protection Notices
- Risk-appropriate Interest Rate System (RGZS) Information Sheet
Evaluation criteria
- Creditworthiness of the company
- Value of the collateral
- Sustainability contribution of the investment
Description
Companies in the agricultural and food industry in Baden-Württemberg receive low-interest loans through the funding program "Agricultural and Food Industry – Operating Resources" via the house bank procedure. The key focus is the financing of operating resource needs (e.g., fertilizers, seeds, feed) as well as ongoing costs (personnel, rent, vehicles, interest) and the acquisition or takeover of small and medium-sized enterprises (SMEs) according to the EU definition. Eligible for funding are, in addition to agricultural and forestry contracting and service companies, also agricultural trade companies, food craft businesses, and companies involved in bioenergy production, storage, or distribution with investment locations in Baden-Württemberg. Fossil fuel heating boilers are excluded from January 1, 2025. Applications can be submitted at any time through the house bank; L-Bank refinances the promotional loans up to €10 million per year with terms of six, eight, or ten years (an initial grace period without repayment is possible). The funding covers up to 100% of eligible expenses.
In cooperation with the Landwirtschaftliche Rentenbank, risk-appropriate interest rates apply based on creditworthiness, collateral value retention, and sustainability contribution, resulting in nine pricing categories. Applications are submitted using the standardized application form WF_1001, supplemented if necessary by the aid applications WF_1301 and the De-minimis declaration form 1332, as well as the cumulation declaration WF_1302. A flexible disbursement and utilization period of twelve and thirty-six months respectively is granted; special repayments are possible subject to prepayment penalties. Applicants benefit from comprehensive advice through the house bank and enjoy long interest-free commitment periods. L-Bank supports companies through a clearly structured process—from application submission to final verification of use—and specifically assists SMEs in rural and upstream or downstream value chain stages.
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