Efficiency Loan RLP
Low-interest loan for SMEs, mid-cap companies, freelancers, and natural persons in Rhineland-Palatinate to finance investments with a positive climate and environmental protection impact.
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Grant criteria
Funding objective
Promotion of investments and operating resources in small and medium-sized enterprises, MidCap companies, freelancers, as well as natural persons in Rhineland-Palatinate, provided that the projects contribute to climate and environmental protection.
Eligible expenses
- Investment costs
- Operating resources directly related to the project
- Expenses for expert third parties (e.g., appraisers, consultants, architects)
- New constructions, refurbishments, and renovations of real estate
- Acquisition of land
Non-eligible expenses
- Refinancing or follow-up financing of already completed projects
- Subsequent financing and extensions
- Pure real estate development
- Trust constructions and silent partnerships
- Pure financial transactions
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Eligible to apply
- Companies
- Founders
- Individuals
Funding requirements
- Eligibility for SMEs according to the EU definition or mid-cap companies with fewer than 3,000 employees
- Freelancers and natural persons who rent or lease commercial real estate and/or commercially used movable assets
- Project must contribute to climate and environmental protection in Rhineland-Palatinate
- Project start only after application submission
- Proof of the project's prospects for success and future viability
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Documents required for application
- Efficiency Credit RLP Guideline
- General Provisions for Final Borrowers
- SME Information Sheet
- UiS Definition Information Sheet
- RGZS Information Sheet
- State Aid Information Sheet
- De-minimis Information Sheet
- Data Protection Information
- Application for ISB Refinancing Loans
- Attachment Ownership and Shareholding Structures
- De-minimis Declaration
- Simplified Self-Declaration
- Self-Declaration of Affiliated Companies
- Cumulative Declaration
- Proof of Use
Evaluation criteria
- Contribution to climate and environmental protection
- Increase in resource and energy use efficiency
- Economic viability
- Creditworthiness and collateral
Description
Efficiency Loan RLP supports small and medium-sized enterprises, mid-cap companies, freelancers, as well as natural persons in Rhineland-Palatinate with a low-interest loan for the financing of investments and working capital. The focus is on projects that make a measurable contribution to climate and environmental protection, including measures for energy and resource efficiency, the use of renewable energies, and the optimization of material and energy flows. With up to €10 million in loan volume and a funding rate of 100%, investments in new buildings, renovations, refurbishments, land acquisition, or expenses for expert third parties can be realized. The terms extend up to 20 years with flexible grace periods and variable repayment options.
A prerequisite is creditworthiness that allows the house bank a favorable classification within the risk-appropriate interest rate system (RGZS), as well as appropriate collateralization of the requested loan amount. Excluded are, among others, companies in agriculture and forestry, aquaculture and fisheries, restructuring cases, as well as pure financial transactions. Selection is based on criteria such as contribution to climate and environmental protection, efficiency improvement, economic viability, as well as creditworthiness and collateral. The loan application is submitted year-round through the house bank and processed via the house bank procedure, provided the project start is after the application date and the prospects of success are demonstrated.
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