Startup and Growth Financing (SGF)

The Start-up and Growth Financing (GuW) supports start-ups, small and medium-sized enterprises, as well as private builders in Saarland through low-interest loans. The program promotes investments in tangible assets and working capital, development costs for residential space, and measures to improve energy efficiency. The goal is to strengthen start-ups and business growth, create and modernize housing, and implement climate protection measures. As a permanent funding option, applications can be submitted at any time, ensuring flexible financial planning. The Ministry of Economy, Innovation, Digital Affairs and Energy of Saarland provides the funding and works closely with the Saarland Investment Credit Bank AG (SIKB), which, as the regional development bank, handles the application processing.

A prerequisite for funding is proof of a convincing financing concept, creditworthiness, and a registered office or place of business in Saarland. Applications are submitted with a form, business plan, financing plan, and later proof of use. In selecting funding projects, economic viability, sustainability aspects, and the degree of innovation play a central role. The program is equally aimed at business successors, freelancers, and private investors seeking a long-term, low-interest financing solution. Through the combination of loans, possible guarantees, and grants, the ecological and economic potentials of the projects can be optimally exploited to sustainably promote regional value creation and energy efficiency.