Guarantees of the Guarantee Bank Mecklenburg-Western Pomerania – BMV classic
The BMV classic guarantee program supports small and medium-sized enterprises as well as freelancers in Mecklenburg-Western Pomerania when collateral for loans is lacking. Guarantee volume ranges from EUR 25,000 to 2,000,000. Applications can be submitted at any time via the house bank or online.
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Grant criteria
Funding objective
Securing and enhancing competitiveness through the assumption of default guarantees for loans to finance investments, inventory, working capital, and guarantees.
Eligible expenses
- Investments
- Inventory
- Operating resources
- Guarantees
Non-eligible expenses
- Refinancing loans
- Debt restructuring loans
Eligible to apply
- Companies
Funding requirements
- EU SME definition
- Investment location in Mecklenburg-Vorpommern
- Project must secure or increase competitiveness
- Submission of customary bank securities and guarantees from shareholders
- No restructuring or refinancing loans
Documents required for application
- Application form
- Documents as per download area
Evaluation criteria
- Economic viability of the project
- Quality of collateral
- Compliance with EU de minimis regulations
Description
The guarantee program BMV classic of Bürgschaftsbank Mecklenburg-Vorpommern GmbH offers small and medium-sized enterprises as well as members of the liberal professions with investment locations in Mecklenburg-Vorpommern a reliable solution to compensate for missing loan collateral. The focus is on assuming default guarantees for loans to finance investments, inventories, working capital, and guarantees. With a guarantee volume ranging from EUR 25,000 to 2,000,000 and funding rates between 70% and 80%, the program improves access to capital, strengthens liquidity, and enables targeted support of forward-looking projects. The guarantees promote competitiveness and support sustainable growth in the region.
A prerequisite for approval is the economic viability of the project as well as compliance with the EU SME definition. Additionally, customary bank securities and guarantees from shareholders must be provided. Restructuring and refinancing loans are not eligible for funding. Applications can be submitted continuously and easily via the house bank or digitally through the guarantee bank’s online portal. Evaluation is based on the economic efficiency of the project, the quality of the collateral, and compliance with de minimis regulations. The fully completed application form and the documents listed in the download area are required. Through the combination of flexible terms and tailored conditions, BMV classic helps to reduce investment barriers and secure jobs in Mecklenburg-Vorpommern in the long term.
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