Brandenburg Credit for Rural Areas
Low-interest loan for investments by small and medium-sized enterprises in agriculture, agribusiness, food industries, and renewable energies in the state of Brandenburg. Maximum loan amount up to €5 million per borrower/year and terms up to 30 years (including 3 years of repayment-free period). Special conditions for young farmers and sustainable investments.
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Grant criteria
Funding objective
With the Brandenburg Loan for Rural Areas, investments by small and medium-sized enterprises in agricultural primary production, the agricultural and food industry, as well as in the field of renewable energies in the state of Brandenburg can be financed.
Eligible expenses
- Construction and modernization of agricultural buildings
- Machinery and technical equipment
- Operating resources
- Environmental and climate protection measures
- Energy efficiency measures
Non-eligible expenses
- Acquisition of land
- Renovation costs and insolvency proceedings
- Debt restructuring (except in the context of farm transfers)
- Measures started before the commencement of the project
Eligible to apply
- Companies
- Founders
Funding requirements
- SMEs according to the EU definition
- Business location in Brandenburg
- Standard banking collateral
- No insolvency proceedings or restructuring case
Documents required for application
- Application form
- Project description
- SME assessment
- List of shareholders
- Declaration from the house bank
- Applicant's declaration
- Cumulative declaration
- De minimis declaration
Evaluation criteria
- Creditworthiness and Collateral
- Sustainability Aspects
- Relevance to the Target Group
- Economic Viability
Description
With the low-interest loan for rural areas, small and medium-sized enterprises (SMEs according to the EU definition) from Brandenburg have the opportunity to realize investments in agriculture, the agricultural and food industry, as well as renewable energies on a long-term basis. Borrowers can cover up to 100% of their financing needs – with a maximum amount of €5 million per year and terms of up to 30 years, including up to three repayment-free years. Special interest rate concessions are available to young farmers under 41 years of age as well as for sustainable projects. The implementation takes place through the house bank procedure via the Investment Bank of the State of Brandenburg (ILB), which also acts as a public-law promotional institution and coordinates refinancing through the state, federal government, and EU.
Eligible expenses include construction and modernization of commercial buildings, purchase of machinery and technical equipment, operating resources, as well as environmental, climate, and energy efficiency measures. Excluded are, among others, land acquisition, debt restructuring (except in the case of farm transfers), insolvency proceedings, and all measures that have already commenced before the application submission. A prerequisite is the business location in Brandenburg, customary bank securities, and no encumbrance by ongoing insolvency or restructuring proceedings. For the application, a completed application form, a detailed project description, an SME evaluation, a list of shareholders, as well as declarations from the house bank and the applicant, along with cumulation and de minimis declarations, are required. Currently, no new applications are possible; however, interested companies can already obtain information about successor programs from the ILB’s funding advisors.
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