Hamburg Credit Universal

The Hamburg Credit Universal offers growing companies with headquarters or a significant place of business in Hamburg long-term financing for investments, working capital, business acquisitions, and expansions. In the house bank procedure, the Hamburg Investment and Development Bank (IFB Hamburg) provides low-interest refinancing funds and grants credit institutions, upon request, an optional liability exemption of up to 50% of the loan. Funding is provided to small, medium-sized, and large companies that have been active in the market for at least three years and have no negative entries in credit agencies. Public enterprises, credit institutions, financial intermediaries, as well as companies in difficulty according to the GBER are excluded. The funding rate is 100%, the term varies between 60 and 120 months, and the maximum financing volume per project amounts to €10 million (for SMEs starting from a loan volume of €3 million).

The application process can be initiated at any time before the project start through a credit institution authorized in Germany. The basis for the review is a completed refinancing application, a detailed project description, and supplementary documents according to the IFB guideline. Additionally, eligible companies must comply with the requirements of the current ESG exclusion list of IFB Hamburg to ensure environmentally and socially responsible projects. Through this combination of flexible conditions, comprehensive consulting, and a digital application portal, the program supports sustainable growth and innovation in the Hamburg economy.