Guarantees from the Guarantee Bank Schleswig-Holstein – Express Guarantee

The Express Guarantee from Bürgschaftsbank Schleswig-Holstein enables small and medium-sized enterprises in Schleswig-Holstein to receive a binding guarantee commitment within 24 hours. With a guarantee coverage of up to 70% and a maximum guarantee amount of €200,000, loans for investments, working capital, construction projects, and real estate acquisition are secured. The digitized application process via the house bank accelerates the chances of success in bank negotiations, as the house bank directly contacts the Bürgschaftsbank. One-time processing fees starting at 0.50% of the guaranteed loan amount (minimum €250) and ongoing commissions up to 1.10% p.a. ensure cost-efficient support for economically viable projects.

Funding is provided to young and established companies from all sectors that have their headquarters or a branch in Schleswig-Holstein, meet the EU SME definition, and can present at least one annual financial statement for a full fiscal year (not older than 24 months). The prerequisite is the economic viability of the project; restructuring loans are excluded. The digital application is submitted via an e-application portal of the house bank, including standard banking documents. The Bürgschaftsbank reviews the criteria according to EU funding principles, positive financial statements, and viability evidence to sustainably strengthen the liquidity and investment capacity of regional SMEs.