ERP Digitalization and Innovation Loan

The ERP Digitalization and Innovation Loan supports small and medium-sized enterprises as well as start-ups based throughout Germany in the realization of forward-looking digitalization and innovation projects. As a long-term loan from KfW, up to €25 million is available for investment costs and working capital to finance technological modernizations, digital transformation processes, and innovative product developments. A full funding rate of 100% with a term of up to 120 months allows comprehensive project implementation without tying up equity. Applications can be submitted continuously, enabling financing decisions to be flexibly adapted to the project timeline.

Requirements for funding include having a registered office or branch in Germany, a proven digitalization or innovation project, as well as solid creditworthiness and economic viability. Evaluation criteria particularly include the level of innovation, the economic efficiency of the project, and the consistency of the financing plan. Refinancing of existing liabilities and pure acquisition costs are not eligible for funding. For the application, the completed KfW application form, a detailed project description, a comprehensible financing plan, and current annual financial statements or business management evaluations (BWA) must be submitted. The KfW Banking Group acts as an experienced partner in corporate financing and has been supporting diverse funding measures on behalf of the Federal Ministry for Economic Affairs and Energy since 1948. This loan offers small and medium-sized enterprises attractive opportunities to strengthen competitiveness and rapidly implement innovations.