Guarantee Program of L-Bank – Combined Guarantee 50

The Kombi-Bürgschaft 50 of L-Bank supports small and medium-sized enterprises as well as members of the liberal professions in Baden-Württemberg with investment and working capital financing. The program provides that L-Bank assumes up to 50% of the loan amount in the form of a default guarantee to relieve banks and savings banks of part of the default risk. Funding applications can be submitted at any time; the guarantee term is up to 15 years for investments and 6 years for working capital. The maximum guarantee coverage is €15 million per project; for loan volumes under €4 million, applicants can turn to the Bürgschaftsbank Baden-Württemberg. The default guarantee particularly takes into account the criteria of creditworthiness, risk reduction, and the EU SME definition, offering flexible protection for a wide range of projects from investments in expansion and modernization to digitalization financing.

To apply, interested parties submit the loan application along with the annex “Kombi-Bürgschaft 50” and a de minimis declaration to their house bank. Additionally, documents such as a business plan, annual financial statements, liability overview, liquidity planning, and an L-Bank checklist must be provided. L-Bank recommends early coordination between applicants, the house bank, and the funding institution to discuss individual financing plans and collateral proposals. A one-time administrative fee of 1% (up to €5 million) or 0.75% (from €5 million) of the guarantee amount, as well as an ongoing, creditworthiness-dependent guarantee commission, are payable. Companies thus benefit from improved loan conditions and secure long-term planning certainty for investment and growth projects in Baden-Württemberg.