aws ERP loan
Low-interest loans for investments in founding, modernization, growth, and innovation. Applications can be submitted at any time until 01/05/2027.
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Grant criteria
Funding objective
Promotion of investments in founding, modernization, growth, and innovation through (interest-)favorable loans with fixed interest rates, flexible terms, and grace periods.
Eligible expenses
- Capitalizable costs
- Non-capitalizable innovation and growth measures (operating resources)
Non-eligible expenses
- Projects that started before the application was submitted
- Loan applications without collateral
- Real estate or financial and insurance services
- Pure financial investments
- Non-profit associations
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Eligible to apply
- Companies
- Founders
Funding requirements
- The application is submitted before the project start – including company and project description
- The loan is 100% secured – either by a bank and/or an aws guarantee
- The provisions of the aws guideline are fulfilled
Documents required for application
- Company description
- Project description
- Proofs of collateral
- Additional documents according to aws guidelines
Description
The aws ERP loan supports Austrian companies and start-ups in investments related to founding, modernization, growth, and innovation. Eligible nationwide are sole proprietorships (EPU), small and medium-sized enterprises (SMEs), as well as large companies from all sectors and development stages. Through a low-interest loan with fixed interest rates, flexible terms between 5.5 and 16 years, and variable grace periods of up to five years, up to 100% of capitalizable costs and non-capitalizable innovation and growth measures (operating resources) can be financed. Loan amounts range from EUR 10,000 to EUR 37.5 million, with a project duration of up to 24 months. Based on previous funding rounds, the success rate is nearly 99%, with loan amounts up to EUR 1 million decided within 1 to 7 days and larger volumes within a few weeks.
Applications are submitted jointly with an ERP trustee bank via the aws Fördermanager, must be made before the project start, and require 100% collateralization through bank and/or aws guarantees as well as compliance with aws guidelines. Applications can be submitted at any time until January 5, 2027. Accompanying services such as intellectual property consulting complement the offer. By combining with other aws funding instruments, including guarantee and digitization programs, the financial potential can be further optimized. The goal is to sustainably strengthen the Austrian economic location, accelerate innovation projects, and efficiently support founding and growth processes.
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