Default guarantees of the Bürgschaftsbank Baden-Württemberg – Credit
The Bürgschaftsbank Baden-Württemberg provides default guarantees for small and medium-sized enterprises, start-ups, and freelancers in Baden-Württemberg with a guarantee rate of 50%–80% and a maximum amount of €2 million.
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Grant criteria
Funding objective
The Bürgschaftsbank Baden-Württemberg relieves SMEs, start-ups, business successors, and freelancers with a default guarantee, thereby securing loans for the financing of start-up, growth, and investment projects, working capital, research & development, as well as guarantees.
Eligible to apply
- Founders
- Companies
Funding requirements
- Start-ups, business successors, and existing commercial enterprises as well as liberal professions according to the EU SME definition
- Economically sensible and justifiable project
- Sufficient long-term financing security
- Provide additional customary bank securities as far as possible
Documents required for application
- Application for guarantee
- Projected profit and loss statement or business plan
- Curriculum vitae
- Self-disclosure of shareholders
- Annual financial statements of the last 3 years
- Current business management evaluation (BWA)
- Overview of debt service obligations
- Liquidity planning (for working capital financing)
- Annual financial statements of the company to be acquired (in case of acquisitions)
Evaluation criteria
- Economic viability of the project
- Statements from external partners (chambers, business associations)
- Internal bank risk assessment (rating)
- Availability and quality of collateral
Description
The default guarantee from the Bürgschaftsbank Baden-Württemberg relieves small and medium-sized enterprises, start-ups, business successors, and freelancers in Baden-Württemberg when collateral is lacking. With a guarantee rate of 50% to 80% and a maximum amount of €2 million, bank loans and guarantee credits are secured for start-up, growth, and investment projects, working capital, research & development, as well as guarantees. The offer is based on the economic viability of the project, strengthens the financing perspective in bank negotiations, and contributes to the long-term stability of the SME sector.
Approval requires an economically viable project according to the EU SME definition. The decision is based on internal bank ratings, statements from external partners (e.g., chambers, business associations), and the quality of available collateral. Required documents include a guarantee application, projected profit/loss statement or business plan, CV, financial statements from the last three years, current business management evaluation (BWA), shareholders’ self-disclosure, overview of debt service obligations, as well as liquidity planning for working capital financing and, in the case of acquisitions, the financial statements of the target company. Applications can be submitted continuously through the house bank and offer companies at all development stages the opportunity for tailored financing.
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