Funding within the framework of the Thuringia-Dynamics program
Low-interest loan for start-ups and small and medium-sized enterprises in Thuringia to finance investments in tangible and intangible assets as well as modernization and maintenance expenses.
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Grant criteria
Funding objective
The program supports the long-term financing of projects by start-up founders, small and medium-sized enterprises in the commercial sector, as well as members of economically related liberal professions. Funding is provided for newly acquired tangible and intangible assets, modernization and maintenance expenses, as well as the purchase of business shares and company successions.
Eligible expenses
- Newly acquired tangible and intangible assets
- Modernization and maintenance expenses
- Purchase of business shares and company successions
Non-eligible expenses
- Expenditures for land and real estate acquisition
- Expenditures for used assets (except in the context of business succession)
- Investments in energy generation plants with EEG funding
Eligible to apply
- Founders
- Companies
Funding requirements
- Business location in Thuringia
- Application submission before project start through the main bank
- Company not in difficulty
- Expenses for land and property acquisition are excluded
Documents required for application
- Application form Thuringia-Dynamics
- Investment and financing plan
- Letter of commitment from the house bank
- De-minimis declaration
- Proof of use
Evaluation criteria
- Creditworthiness of the company
- Value of the collateral
- Innovative character of the project (for innovative program branch)
Description
The state of Thuringia, through the Thuringian Development Bank, provides low-interest loans ranging from €5,000 to €2,000,000 to enable start-ups, small and medium-sized enterprises, as well as members of economically related freelance professions, to secure long-term and predictable financing. Funding supports investments in newly acquired tangible and intangible assets, modernization and maintenance expenses, as well as the acquisition of business shares and company successions. A prerequisite is a business location in Thuringia, application submission before project commencement via the house bank, and proof that the company is not in difficulty. Expenses for land and real estate purchases, used assets (except within the scope of successions), and EEG-subsidized energy generation systems are excluded from funding. Creditworthiness and collateral are assessed according to standard banking procedures; if necessary, a 50% liability exemption for the house bank can be requested.
For the application, in addition to the completed form, an investment and financing plan, a de minimis declaration, the house bank’s letter of commitment, and a proof of use afterwards are required. The loans are offered with an individual interest rate according to a risk-based interest system. Terms of five to 20 years – partly with initial repayment-free years – provide flexibility. Disbursement is exclusively through the house bank, which also verifies compliance with all state aid regulations. The repayable funds not only strengthen competitiveness and innovative capacity but also secure jobs in Thuringia in the long term. Interested companies benefit from attractive conditions and close support through regional customer centers.
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