Guarantees from the BBB Guarantee Bank of Berlin-Brandenburg – BBBwelcome

The BBBwelcome guarantees from the BBB Guarantee Bank Berlin-Brandenburg provide solo self-employed individuals, members of liberal professions, small and medium-sized enterprises (SMEs), as well as recognized refugees and non-EU nationals with a company headquarters or branch in Berlin access to credit financing despite limited collateral. Through default guarantees of up to 80% of the loan amount (maximum €1.25 million), financing risks are minimized. Applications can be submitted year-round together with credit institutions of choice or directly to the BBB Guarantee Bank. A prerequisite for funding is that the main shareholders exercise significant management functions and that solo self-employed individuals as well as members of liberal professions generate at least 51% of their income from self-employment.

Eligible investments include working capital, machinery and production lines, as well as vehicle fleets, start-up measures, business acquisitions, modernization and expansion projects, replacement investments, or the opening of new markets. Conversion and renovation financing are excluded. With this model, the BBB Guarantee Bank – as a publicly oriented financial service provider with over 65 years of experience – creates tailored financing opportunities when conventional collateral is lacking and banks do not wish to bear risks alone. Thus, founders and entrepreneurs benefit from reliable support to strengthen their liquidity and growth prospects in the Berlin area.