Default Guarantees of the Guarantee Bank Rhineland-Palatinate – Guarantee Classic
The Guarantee Bank Rhineland-Palatinate assumes default guarantees of up to 80% of the loan amount (max. €2 million) for start-ups, business successions, investments, and working capital in Rhineland-Palatinate. Applications can be submitted at any time through the applicant's primary bank.
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Grant criteria
Funding objective
Securing credit risks for commercial enterprises, start-ups, and members of the liberal professions in Rhineland-Palatinate through the assumption of default guarantees.
Eligible expenses
- Start-ups
- Business successions
- Investments
- Business expansions
- Operating resources
- Show more
Non-eligible expenses
- Refinancing loans
- Debt restructuring
Eligible to apply
- Founders
- Companies
Funding requirements
- Registered office or place of business in Rhineland-Palatinate
- Compliance with the EU SME criteria
- Implementation of the project in Rhineland-Palatinate
- Financing of a economically viable project
- No restructuring loans or debt rescheduling
Documents required for application
- Application through the house bank
- Credit proposal from the house bank
- General guarantee conditions
Evaluation criteria
- Business evaluation of the project
- Statements from shareholders (chambers, associations)
Description
The default guarantees of the Bürgschaftsbank Rheinland-Pfalz under the Bürgschaft Classic program offer founders, successors, and small to medium-sized enterprises in Rhineland-Palatinate reliable security in credit financing. With a guarantee coverage of up to 80% of the loan amount (maximum €2 million), investments, working capital, start-up and market launch costs, as well as research and development, are supported. A business assessment of the project by the Bürgschaftsbank, along with statements from chambers and associations, ensures a well-founded funding decision. The term of the guarantees extends up to 180 months depending on the purpose of use, and for construction investments even up to 23 years, enabling secure implementation of long-term financing plans.
Only projects carried out in Rhineland-Palatinate and deemed economically viable according to the EU SME criteria are eligible for funding. Restructuring loans or debt refinancing are excluded. Applications are submitted at any time through the applicant’s house bank and include, in addition to the loan application form, the general guarantee conditions. Through close cooperation with banks, savings banks, chambers, and associations, the Bürgschaftsbank Rheinland-Pfalz ensures prompt and competent advice as well as tailored guarantee solutions. In doing so, it makes a significant contribution to strengthening the SME sector and promotes sustainable growth in the region.
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