Guarantees of the Guarantee Bank North Rhine-Westphalia
Default guarantees and sureties up to €2 million for start-ups, business successions, and growth projects of small and medium-sized enterprises in North Rhine-Westphalia – applications can be submitted at any time.
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Grant criteria
Funding objective
Default guarantees and warranties replace missing collateral for bank and KfW loans to promote start-ups, business succession, as well as the growth and stabilization of small and medium-sized enterprises in North Rhine-Westphalia.
Eligible to apply
- Companies
- Founders
- Non-profit Organizations
Funding requirements
- Registered office or establishment in North Rhine-Westphalia
- Application for a bank or KfW loan
- Proof of missing or insufficient loan collateral
Evaluation criteria
- Economic viability of the project
- Extent of the security gap
- Social or ecological objective (for socially-oriented enterprises)
Description
The Guarantee Bank North Rhine-Westphalia provides small and medium-sized enterprises (SMEs), start-ups, as well as non-profit and community-oriented organizations in North Rhine-Westphalia with default guarantees and sureties of up to €2 million. This offering replaces missing collateral for bank and KfW loans to realize investment projects such as start-ups, business successions, as well as growth and stabilization projects. The Guarantee Bank acts as a neutral partner, sharing the risk together with chambers, associations, and credit institutions, thereby enabling smooth access to financing. Applications can be submitted continuously, allowing flexible support for every financing phase.
Eligible for funding are companies with headquarters or branches in North Rhine-Westphalia that apply for a bank or KfW loan and demonstrate that necessary collateral is missing or insufficient. Allocation is based on the economic viability of the project, the extent of the collateral gap, and – for community-oriented applicants – on social or ecological objectives. The Guarantee Bank reviews each request individually and is committed to expanding financing opportunities and enabling favorable conditions. Through this guarantee option, SMEs and non-profit projects can sustainably advance their growth and secure existing jobs.
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