Guarantees from the Guarantee Bank Mecklenburg-Western Pomerania – BMV direkt
Default guarantees for SMEs, start-ups, and liberal professions in Mecklenburg-Vorpommern to secure loans for investments, inventories, working capital, and guarantees. Guarantee volume from EUR 25,000 to 2,000,000. Applications can be submitted online at any time.
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Grant criteria
Funding objective
The Bürgschaftsbank Mecklenburg-Vorpommern guarantees loans for the financing of investments, inventory, one-time expenses related to start-ups, working capital, and guarantees. The goal is to secure and enhance the competitiveness of small and medium-sized enterprises, as well as start-ups and members of the liberal professions in Mecklenburg-Vorpommern.
Eligible expenses
- Investments
- Inventories
- One-time expenses related to the establishment
- Operating resources
- Guarantees
Non-eligible expenses
- Refinancing loans
- Debt restructuring
Eligible to apply
- Founders
- Companies
Funding requirements
- SMEs according to the EU definition with investment location in Mecklenburg-Western Pomerania
- Economically viable project to increase or secure competitiveness
- Companies without existing corporate financing
- No restructuring loans or debt rescheduling
Description
The Bürgschaftsbank Mecklenburg-Vorpommern GmbH (BMV) offers with the program BMV direkt a tailored default guarantee for small and medium-sized enterprises, start-ups, as well as members of the liberal professions in Mecklenburg-Vorpommern. As a guarantee instrument, the project secures loans for the financing of investments, inventory, working capital, one-time expenses related to founding, and guarantees. With a guarantee volume ranging from EUR 25,000 to 2,000,000 and a coverage ratio of up to 80%, financing gaps are closed when sufficient collateral is not available. The digital application process ensures efficient handling, allowing applicants to submit applications online at any time.
A prerequisite for funding is a economically viable concept aimed at increasing or securing the competitiveness of an SME according to the EU definition, with the investment location in Mecklenburg-Vorpommern. Restructuring and refinancing loans are excluded. The maximum coverage ratio is 70% for working capital, 75% for investments, and 80% for founding and succession projects. The default guarantee runs for up to 180 months. Through this guarantee, BMV sustainably supports regional growth initiatives and contributes to stabilizing and expanding the competitiveness of companies and start-ups in Mecklenburg-Vorpommern.
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