Loan for SMEs (FRL DFM) – Digitization Loan
Interest-subsidized loan for the financing of digitization and IT projects for small and medium-sized enterprises in Saxony. Ongoing application submission through the SAB.
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Grant criteria
Funding objective
Promotion of digitization and IT modernization in small and medium-sized enterprises (SMEs) in the Free State of Saxony, particularly for the acquisition of hardware and software as well as consulting services.
Eligible expenses
- Acquisition of hardware and software
- IT consulting services
- Training costs in the IT sector
Non-eligible expenses
- Operating resources
- Retroactive costs
Eligible to apply
- Companies
- Founders
Funding requirements
- SMEs according to the EU definition
- Registered office or place of business in Saxony
- Digitization or IT project initiative
Documents required for application
- Project description
- Financing plan
- Proof of SME status
- Cost estimates
- Application form
Evaluation criteria
- Innovative content of the digitalization project
- Economic efficiency and viability
- Depth of implementation of the digitalization measures
Description
The low-interest loan for small and medium-sized enterprises (SMEs) (FRL DFM) – Digitalization Loan is aimed at small and medium-sized enterprises (SMEs) as well as start-ups with headquarters or business premises in the Free State of Saxony. The objective of this continuously available funding is the modernization and digitalization of operational processes through the acquisition of hardware and software, IT consulting services, and corresponding training measures. This strengthens innovation projects and competitiveness in structurally weak regions by enabling investments in digital infrastructure under attractive conditions.
To apply via the Saxon Development Bank – Förderbank – (SAB), a project description, a financing plan, proof of SME status, cost estimates, and the corresponding application form are required. Only new investments in IT projects are eligible for funding; operating resources and retroactive costs are excluded. Selection is based on the degree of innovation, economic viability, and the depth of implementation of digital measures. The ongoing submission of applications ensures flexible planning and timely support. Interested companies benefit from favorable interest rates and professional support by experts to efficiently implement digitalization goals and promote sustainable growth.
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