Guarantee Program of L-Bank – General Guarantee

The guarantee program of L-Bank offers companies, start-ups, as well as cooperatives, non-profit organizations, and public institutions in Baden-Württemberg a reliable guarantee to secure investment and working capital loans. By assuming a guarantee of up to 80% of the loan amount, it strengthens the equity base and facilitates access to financing for small and medium-sized enterprises. Applications can be submitted continuously and easily through the house bank principle, making the processes transparent for all parties involved. L-Bank evaluates each project based on economic viability, creditworthiness, and the sustainability of the business model.

Eligible for funding are all companies with headquarters or operations in Baden-Württemberg that process their financing through a domestic commercial bank. A prerequisite is proof of a concrete loan project – whether as an investment loan for expansion or modernization or as a working capital loan to secure ongoing business operations. For the application, the guarantee request via the house bank, detailed loan documents including the purpose and calculations, a business plan, as well as current annual financial statements or business evaluations must be submitted. This program sustainably supports the financing prospects of SMEs and start-ups in the region.