Guarantees from the Bürgschaftsbank Schleswig-Holstein – Start-up Express Guarantee

The Guarantee Bank Schleswig-Holstein enables small and medium-sized enterprises, start-ups, successors, as well as freelancers in Schleswig-Holstein to gain uncomplicated access to bank loans. Default guarantees of up to 80% of the loan amount are provided – up to a maximum of €2 million per borrower entity. The digital processing is handled through the house bank, eliminating long waiting times and accelerating decision-making processes. A prerequisite is a economically viable project with its registered office or business activity in Schleswig-Holstein. Applicants benefit from the expertise of experienced financing practitioners who comprehensively review projects and, if necessary, decide on the feasibility of realization.

The guarantee services are aimed at all those planning sustainable investment or working capital projects, start-ups, succession, and business acquisitions. In addition to the creditworthiness of the project, the regional connection to Schleswig-Holstein is a central evaluation criterion. The default guarantee improves the rating with credit institutions, enabling lower interest rates and reducing the equity burden. The Guarantee Bank does not represent its own banking interests but acts as a neutral partner in risk. The program is continuously available and can be applied for at any time through the house bank. It opens up new financing opportunities for regional companies and founders and promotes economic development in Schleswig-Holstein.