Working Capital Loan RLP
Low-interest loan for additional working capital needs in Rhineland-Palatinate: up to €5 million with 100% financing, terms up to 10 years, one-year grace period possible. Applications can be submitted at any time through your house bank.
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Grant criteria
Funding objective
Contribution to the long-term financing of operating resources and thus to the creation and safeguarding of jobs in Rhineland-Palatinate.
Eligible expenses
- ongoing operating resources
- inventory
- personnel expenses
- marketing, rent, raw, auxiliary and operating materials
- digitalization measures
Non-eligible expenses
- Refinancing of already completed projects
- Additional funding for already completed projects
- Extensions
- Pure real estate development
Eligible to apply
- Companies
- Founders
- Individuals
Funding requirements
- SMEs, mid-cap companies, or self-employed professionals
- Proof of entrepreneurial success and positive future prospects
- Exclusion: agriculture, aquaculture, fisheries, restructuring cases, companies in difficulty
Documents required for application
- Application form via the house bank
- SME and MidCap self-declaration
- De-minimis declaration
- General provisions for final borrowers
- Guideline for working capital loans RLP
Evaluation criteria
- Creditworthiness of the company
- Value of the collateral
- Future prospects of the project
Description
The RLP Working Capital Loan from the Investment and Structural Bank of Rhineland-Palatinate (ISB) offers small and medium-sized enterprises, MidCap companies, as well as freelancers in Rhineland-Palatinate an affordable loan solution to cover short- and medium-term liquidity needs. With a loan ceiling of up to EUR 5 million, up to 100% of eligible working capital costs – including inventory, personnel expenses, marketing and rental costs, raw, auxiliary and operating materials, as well as digitization measures – can be financed. The maximum term is 10 years, with a grace period of one year without repayments available. The commitment fee is a favorable 0.125% per month, charged only from the seventh month onward. The interest rate is determined according to the ISB’s creditworthiness and collateral system (RGZS), which, taking into account the company rating and provided securities, enables fair conditions.
Eligible for funding are companies in the commercial sector (crafts, trade, services), MidCap companies with fewer than 3,000 employees, freelancers, as well as natural persons engaged in entrepreneurial activities. A prerequisite is proof of a viable project with positive future prospects. Excluded from funding are companies in agriculture and forestry, aquaculture, fisheries, as well as restructuring cases and companies in difficulty. Applications are submitted continuously via the house bank procedure. Required documents include, among others, the completed ISB application form, an SME/MidCap self-declaration, a de minimis declaration, and the “General Terms and Conditions for Final Borrowers.” Through this, the ISB contributes to long-term working capital financing and supports the safeguarding and creation of jobs in Rhineland-Palatinate.
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