ERP Promotional Loan for SMEs with Liability Exemption
Loans for small and medium-sized enterprises, sole proprietors, and freelancers up to €25 million for investments, working capital, business succession, acquisitions, and equity participations with up to 50% liability release – applications can be submitted at any time through the house bank.
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Grant criteria
Funding objective
Support for small and medium-sized enterprises as well as sole proprietors and freelancers in financing investments, working capital, business succession, acquisitions, and participations domestically and abroad through low-interest loans and up to 50% liability release for the intermediary financing partners.
Eligible expenses
- Investments (facilities, machinery, land, buildings, construction costs, furnishings, company vehicles, operational and business equipment, intangible investments, software)
- Operating resources (liquid funds, personnel costs, rents, marketing costs, consultancy costs)
- Material and goods inventory
- Business succession and participation
Non-eligible expenses
- Refinancing and follow-up financing of already completed projects
- Trust constructions
- Silent partnerships
- Financing of residential buildings
- Pure financial investments
Eligible to apply
- Companies
- Founders
Funding requirements
- SMEs according to the EU definition (<250 employees, ≤€50 million turnover or ≤€43 million balance sheet total)
- Company headquarters in Germany
- Company history of at least 2 years (for liability exemption)
- Exclusion of debt restructuring and refinancing of already completed projects
- Exclusion of trust arrangements and silent partnerships
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Documents required for application
- Project description
- Financing plan
- SME self-declaration
- De minimis declaration
- Cumulation declaration
- Consent declaration
- Data list of subsidy-relevant facts
- Proof of use
Evaluation criteria
- Creditworthiness of the borrower
- Value of the collateral
- Completeness of the submitted documents
Description
The ERP Promotional Loan for SMEs with Liability Exemption is aimed at small and medium-sized enterprises, sole proprietors, founders, successors, as well as freelancers who wish to finance investments, working capital, business succession, acquisitions, or participations domestically and abroad. The program enables credit-based full financing of up to 100% of eligible costs and offers loans up to a maximum of €25 million per project. Through a liability exemption covering up to 50% for the intermediary financing partners, risk deficits are reduced and access to affordable liquidity is facilitated. The term is up to 240 months, including an initial grace period, providing long-term planning security for growth and modernization.
Applicant companies must, according to the EU definition, have fewer than 250 employees, a maximum annual turnover of €50 million, or an annual balance sheet total of up to €43 million; a minimum market experience of two years is required for the liability exemption. Eligible expenses include tangible investments (e.g., machinery, buildings, software), working capital (e.g., personnel costs, rents, marketing, consulting), material and goods inventory, as well as measures related to business succession and participation. Excluded are debt restructuring, refinancing of already completed projects, trust arrangements, silent partnerships, financing of residential buildings, and pure financial investments. The decision is based on creditworthiness, the value of collateral, and completeness of documentation. Submission of the project description, financing plan, and required declarations is possible at any time before project commencement through the house bank.
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