Hamburg Credit Universal
Low-interest loan for growing companies in Hamburg with terms of 5, 7, 8, or 10 years and an optional 50% liability release.
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Grant criteria
Funding objective
Long-term financing of investments, working capital, as well as support during the reconstruction phase following crisis management within the house bank system for companies based in Hamburg.
Eligible expenses
- Business takeovers and expansions
- Acquisition of machinery, equipment, vehicles, and furnishings
- Acquisition of intangible assets (patents, licenses, know-how)
- Acquisition of land and buildings for own use
- Financing of operating resources (rent, salaries, inventory)
Non-eligible expenses
- Acquisition of residential buildings
- Financial investments (pure share purchases without entrepreneurial participation)
Eligible to apply
- Companies
Funding requirements
- Company headquarters or main place of business in Hamburg
- Market activity of more than three years
- Minimum funding volume of €3 million for SMEs
- No companies in difficulty according to Art. 2 No. 18 GBER
- No negative records in credit agencies
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Evaluation criteria
- Sustainable economic success of the project
- Risk-appropriate conditions and creditworthiness
- ESG compliance according to exclusion list
Description
The Hamburg Credit Universal is aimed at established entrepreneurs with a registered office or significant place of business in Hamburg who have been active on the market for at least three years. The Hamburg Investment and Development Bank (IFB Hamburg) offers low-interest loans with terms of 5, 7, 8, or 10 years, including an optional liability exemption of up to 50% of the refinancing loan. With a 100% funding rate and a maximum financing volume of €10 million per project, the program supports investments in tangible and intangible assets, working capital financing, as well as business acquisitions and expansions. Especially after crisis periods, this allows liquidity bottlenecks to be balanced and long-term growth plans to be implemented.
Funding is provided for large enterprises as well as small and medium-sized enterprises (SMEs) from a funding volume of €3 million. Excluded are public enterprises, credit institutions, financial intermediaries, as well as those in difficulty according to Art. 2 No. 18 of the GBER or with negative entries in credit reporting agencies. Eligible expenses include the acquisition of machinery, equipment, vehicles, and furnishings, patents and licenses, land and buildings for own use, as well as operating resources such as rents, salaries, and inventory. Project-related ESG compliance is required. Applications can be submitted at any time before the project start through any credit institution; the collateral agreement is made in the usual banking manner directly between the borrower and the institution. This procedure enables tailored financing and sustainably strengthens the competitiveness of Hamburg entrepreneurs.
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