Premium Guarantee
Companies, craft businesses, and members of liberal professions in Rhineland-Palatinate with good creditworthiness receive a guarantee within 10 working days for investment, working capital, and guarantee loans up to 50% of the loan amount (max. €1 million).
Discover your potential with AI support
- Find out if this grant matches your project
- Develop your application together with AI
- Get matched with many more suitable grants
Grant criteria
Funding objective
Support for established companies, craft businesses, and members of liberal professions in Rhineland-Palatinate in obtaining loans by assuming missing collateral through default guarantees for investment and working capital loans.
Eligible expenses
- Investment loans
- Working capital loans
- Guarantee loans
Non-eligible expenses
- Start-up/acquisition financing
Eligible to apply
- Companies
Funding requirements
- Registered office or place of business in Rhineland-Palatinate
- Rating of the house bank with default probability ≤ 0.9%
- Annual financial statements for at least 2 full fiscal years
- No start-up or acquisition financing
- Investment in Rhineland-Palatinate
- Show more
Documents required for application
- Complete loan application from the house bank
- Annual financial statements for the last 2 fiscal years
- Proof of bank rating (default probability ≤ 0.9 %)
Evaluation criteria
- Creditworthiness (default probability up to 0.9%)
- Economic viability of the project
Description
As part of economic development in Rhineland-Palatinate, the Premium Guarantee enables small and medium-sized enterprises, craft businesses, as well as members of liberal professions with excellent creditworthiness to secure financing. Within ten working days, a default guarantee of up to 50% of the required loan volume – up to a maximum of €1 million – can be granted for investment and working capital loans as well as guarantee loans. This supplements missing customary bank collateral to relieve established companies during growth and modernization projects and significantly improve their prospects in loan negotiations.
Projects realized in Rhineland-Palatinate with a solid business plan are eligible for funding. A prerequisite is a rating from the house bank with a default probability of no more than 0.9% as well as financial statements for at least two full fiscal years. Start-up and acquisition financing are excluded. For the application, the complete loan submission from the house bank, the last two financial statements, and proof of the bank rating are required. Applications can be submitted continuously; direct contact is always made through the lending institution. The Premium Guarantee contributes to sustainably strengthening the SME sector in Rhineland-Palatinate and promoting future investments.
Ready to secure your funding?
Register now and let our AI guide you through the application process – from eligibility check to finished application.