Direct Guarantee (BoB)

The direct guarantee from the state of Rhineland-Palatinate is aimed at founders who are about to start their commercial, craft, or freelance activities and do not have sufficient collateral for bank loans. Under certain conditions, the program allows for a guarantee coverage of up to 80 percent of the loan amount, but no more than €150,000. Investment loans, working capital loans, and guarantee loans are supported to finance business investments or ongoing expenses. Applicants must invest in Rhineland-Palatinate, present a viable business model, and must not have received commitments for the requested loans. A continuous application option ensures flexible planning without fixed deadlines.

The Guarantee Bank Rhineland-Palatinate reviews each project from a business management perspective and obtains statements from chambers and business associations. For the funding application, among other documents, the completed application form, the business concept, and business management documents are required. A digital application via the financing portal supports the structured submission of all documents. By applying directly—without a house bank—the program particularly facilitates access to financing for founders, as the Guarantee Bank, acting as an independent partner, improves creditworthiness and thus encourages house banks to grant loans. This subsidy in the form of a guarantee makes a significant contribution to securing business start-ups in Rhineland-Palatinate and supports young entrepreneurs in putting their business ideas into practice.