Guarantees from the Guarantee Bank North Rhine-Westphalia – Express Guarantee
Express guarantee in North Rhine-Westphalia for SMEs and start-ups – up to 80% guarantee rate (50-80%) up to €250,000 with a decision within a maximum of 5 working days.
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Grant criteria
Funding objective
Assumption of default guarantees to secure bank and KfW loans for investments in business and operational expansions, business relocations, as well as working capital and guarantee framework financing.
Eligible expenses
- Investments in business and operational expansions
- Working capital and guarantee framework financing
Non-eligible expenses
- Renovation projects
Eligible to apply
- Companies
- Founders
Funding requirements
- EU SME definition
- Companies or liberal professions in NRW
- Existence or activity for at least 3 years
- No seizures, performance disruptions, or overdrafts
- Operationally positive annual result
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Documents required for application
- Online application including tax information
- Curriculum vitae (for startups)
- Self-disclosure of net assets
- Business plan with profitability and liquidity forecast
- Annual financial statements/profit and loss statement for two full fiscal years
- Business management evaluation including summary and balance list
Evaluation criteria
- Positive operating annual result
- Positive balance sheet equity
- Proof of debt service capacity
- No negative characteristics
- Default probability ≤ 4 %
Description
The Express Guarantee of the Bürgschaftsbank Nordrhein-Westfalen offers small and medium-sized enterprises (SMEs), as well as start-ups and members of the liberal professions in North Rhine-Westphalia, accelerated security for their financing projects. A decision on guarantees of up to €250,000 with a coverage ratio of 50% to 80% is made within a maximum of five working days. This allows loans for investments in business and operational expansions, relocations, or working capital and guarantee line financing to be secured quickly and without bureaucracy. This guarantee instrument is aimed at market-active companies that have been operating for at least three years, demonstrate a positive annual result, and show no negative indicators such as seizures, overdrafts, or performance disruptions.
A digital process is provided for the application: a credit institution submits an online application including a self-disclosure, tax information, business management evaluation (BWA), summary and balance lists, as well as annual financial statements or income-expenditure accounts for the last two fiscal years. Prospective founders supplement the application with a CV, business plan including profitability and liquidity forecasts, and a self-disclosure of net assets. Prerequisites for a positive assessment include, in addition to debt service capacity, a positive equity on the balance sheet and a default probability of no more than 4%. With its express procedure, Bürgschaftsbank NRW helps ensure that growth projects and business expansions can be realized promptly without the need for additional collateral. Interested parties can obtain all program and procedural information via the financing portal of Bürgschaftsbank Nordrhein-Westfalen.
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