Classic Guarantee
Securing your investment and working capital loans in Brandenburg: The Classic Guarantee covers up to 80% of the credit risk with a guarantee amount of up to €1.25 million for terms of up to 15 years (up to 23 years for commercial construction projects). Applications are submitted through your house bank.
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Grant criteria
Funding objective
The Klassik Guarantee serves to secure loan projects (investments and working capital) of small and medium-sized enterprises, freelancers, and start-ups in the state of Brandenburg by the Guarantee Bank assuming up to 80% of the loan amount, thereby facilitating loan approval.
Eligible expenses
- Investment loans
- Working capital loans
- Guarantees for contract performance, warranty, and advance payment bonds
Non-eligible expenses
- Refinancing loans
- Subsequent guarantee for already granted loans
Eligible to apply
- Founders
- Companies
- Cooperatives
Funding requirements
- SMEs in the commercial sector in Brandenburg
- Freelancers
- Company founders and participants in a company
- Cooperatives and developers of commercial premises
- Objective and personal creditworthiness
- Show more
Documents required for application
- Standard application (PDF)
- Online application via house bank or borrower
- Self-disclosure
- Declaration of received subsidies
- Schufa consent form
- Schufa information sheet
- Declaration PEP – politically exposed persons
- Curriculum vitae
- Copy of ID card
- Business plan (brief description of the project)
- Proof of loan usage
- Earnings forecast for 1–3 years
Evaluation criteria
- Economic viability and quality of concept
- Objective and personal creditworthiness
- Quality of collateral and equity contribution
Description
The Klassik Guarantee from Bürgschaftsbank Brandenburg offers small and medium-sized enterprises, freelancers, and start-ups in the state of Brandenburg reliable security for their investment and working capital loans. In this process, Bürgschaftsbank assumes up to 80% of the credit risk with a maximum guarantee amount of €1.25 million. The maximum term is up to 15 years, and for commercial construction projects, even up to 23 years. Applications are submitted easily through the house bank, so financing projects are supported by solid planning and security instruments. Ongoing funding opportunities ensure continuous support from company foundation through to expansion.
Investment loans, working capital loans, and guarantees for contract fulfillment, warranty, or advance payment bonds are eligible for funding. Restructuring loans and subsequent securities for already approved financing are excluded. A prerequisite for a successful guarantee is objective and personal creditworthiness, a convincing earnings forecast, and a viable business plan. Assessment is based on economic viability, quality of collateral, and the amount of equity contribution. With this guarantee, the funding providers aim to reduce the risk appetite of house banks and promote sustainable growth in the regional SME sector.
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