Express Guarantee

The Bürgschaft Express offers small and medium-sized enterprises as well as members of the liberal professions in Rhineland-Palatinate a standardized and accelerated financing solution. In a streamlined process, Bürgschaftsbank Rheinland-Pfalz GmbH assumes up to 60% of the missing collateral for investment and working capital loans within five working days. Guarantees of up to €90,000 per project can be granted. The term depends on the type of loan: investment projects are guaranteed for up to 15 years, construction measures up to 23 years, and working capital and guarantee loans up to 10 years. This secures short-term liquidity while simultaneously strengthening the equity ratio to quickly implement economically viable projects.

Funding is provided to established SMEs and freelancers with headquarters or business premises in Rhineland-Palatinate, who can present financial statements for at least two full fiscal years, positive economic equity, and a positive operating result, as well as a rating with a one-year default probability of no more than 3.0% (KfW 5/Creditreform credit index 300). The professional assessment focuses on the economic viability of the project; funding for start-up or acquisition financing is excluded. Applications can be submitted at any time through the applicant’s house bank; financial statements and rating proof are required. The express procedure guarantees a binding commitment within just five working days – a decisive advantage for future-oriented companies in Rhineland-Palatinate.