ERP Promotional Loan SME
Loan program for financing start-ups, successions, and investments for small and medium-sized enterprises (SMEs) as well as freelancers, with up to 100% financing of eligible costs, up to €25 million per project. Applications can be submitted at any time through a domestic financing partner.
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Grant criteria
Funding objective
Promotion of investments and operating resources as well as the founding, succession, and participation of small and medium-sized enterprises (SMEs), sole proprietors, and freelancers at home and abroad.
Eligible expenses
- Investments (equipment and machinery, land and buildings, construction costs, furnishings, company vehicles, operational and office equipment, intangible investments, software)
- Operating resources (liquid funds, personnel costs, rents, marketing costs, consulting costs)
- Material and goods inventory
Non-eligible expenses
- Debt restructuring
- Refinancing of already completed projects
- Trust constructions
- Silent partnerships
- Asset transfers
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Eligible to apply
- Founders
- Companies
- Individuals
Funding requirements
- SMEs according to the EU definition (fewer than 250 employees, annual turnover ≤ €50 million or annual balance sheet total ≤ €43 million)
- Application submission before project commencement with a domestic financing partner
- Compliance with the KfW exclusion list and adherence to environmental and social standards
- No financing of debt restructuring, refinancing of already completed projects, trust arrangements, silent partnerships, asset transfers, financing of residential buildings, and financial investments
Documents required for application
- Simplified SME self-declaration
- SME self-declaration (Annexes 3–5)
- De minimis declaration
- Cumulative aid declaration of the final borrower
- Consent declaration
- Proof of use (optional)
Description
The ERP Promotional Loan for SMEs is a nationwide loan offering aimed at strengthening small and medium-sized enterprises (SMEs) as well as sole proprietors and freelancers. With a term of up to 240 months, it enables 100% financing of eligible measures and covers investments as well as working capital – from equipment and machinery to land, buildings, and software, as well as personnel costs, marketing, and consulting expenses. Up to €25 million can be applied for per project, optionally with an initial repayment-free period, and at any time through a domestic financing partner.
Eligible for funding are SMEs according to the EU definition (fewer than 250 employees, annual turnover ≤ €50 million or annual balance sheet total ≤ €43 million), founders, successors, as well as established companies domestically and abroad. The prerequisites are application submission before the project start, compliance with the KfW exclusion list, and adherence to environmental and social legal standards. Excluded are debt restructuring, refinancing of completed projects, trust arrangements, silent partnerships, asset transfers, financing of residential buildings, and financial investments. The program combines favorable terms with extensive funding areas and offers a flexible basis to efficiently realize growth projects.
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