Guarantees from the Guarantee Bank Mecklenburg-Western Pomerania – BMV express
Default guarantees for loans of small and medium-sized enterprises as well as members of the liberal professions in Mecklenburg-Western Pomerania: coverage of up to 70% of the loan amount (€25,000–€437,500). Digital application via the house bank, decision within 72 hours.
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Grant criteria
Funding objective
Securing loans for investments, inventories, working capital, and guarantees to facilitate access to financing for economically viable projects of SMEs and freelancers in Mecklenburg-Western Pomerania and to strengthen their competitiveness.
Eligible expenses
- Investments
- Inventory
- Operating resources
- Guarantees
Non-eligible expenses
- Refinancing loans
- Rehabilitation loans
- Nursing facilities
- New hotels and guesthouses
- Holiday homes/apartments and campsites
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Eligible to apply
- Companies
Funding requirements
- Investment location in Mecklenburg-Vorpommern
- Annual financial statement no older than 18 months
- Positive equity
- Profit of at least €1
- Extended cash flow ensures debt service capacity
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Documents required for application
- Application via the house bank (digital)
- Annual financial statement (max. 18 months old)
- Business management evaluation (BWA)
- Proof of positive equity
- Creditreform report
- Loan documents
Evaluation criteria
- Economic viability of the project
- Positive equity
- Sufficient cash flow
- Creditreform index
Description
The guarantee program BMV express of the Bürgschaftsbank Mecklenburg-Vorpommern offers small and medium-sized enterprises as well as members of the liberal professions with investment locations in Mecklenburg-Vorpommern a fast and unbureaucratic credit security. A digital application is submitted via the house bank, with a decision following within 72 hours. Up to 70% of the loan amount can be secured by a default guarantee, with the guarantee sum ranging between €25,000 and €437,500. Loans for investments, inventory, working capital, and guarantees are supported to strengthen the competitiveness of regional projects. The term of the guarantee is up to 15 years and up to 23 years for construction measures.
Prerequisites for a successful application are a positive annual financial statement (no older than 18 months), positive equity, as well as an extended cash flow that secures debt service capacity. Furthermore, the Creditreform index and other creditworthiness criteria must be met. Restructuring and refinancing loans as well as certain sectors such as care facilities and new tourist constructions are excluded. This program supports economically viable projects that would otherwise face difficulties accessing financing due to insufficient loan collateral. Thus, BMV express enables a tailored guarantee solution for ambitious project plans in Mecklenburg-Vorpommern.
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