Hessen-MicroCrowd
Combination of crowdfunding and microloans in Hesse: microloans from €3,000 to €35,000, repayment grant up to €1,000. Applications can be submitted continuously during the funding phase (no later than 5 days before the end of funding).
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Grant criteria
Funding objective
Financing of start-ups in full-time or part-time self-employment, takeovers of existing companies, growth and consolidation measures within 5 years of establishment, as well as new settlements in Hesse through a combination of crowdfunding and long-term microloans.
Eligible expenses
- Investments
- Operating resources
Non-eligible expenses
- Refinancing or additional financing of already completed projects
- Repayment of existing liabilities including shareholder loans
- Follow-up financing and extensions
Eligible to apply
- Founders
- Individuals
Funding requirements
- Minimum €5,000 funding level on Startnext
- Maximum 5 years of full-time self-employment
- Residence in Germany
- Positive SCHUFA report without negative entries
- No use of KfW StartGeld for the project
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Documents required for application
- Application form
- De-minimis declaration
- Tabular curriculum vitae
- Business registration or registration with the tax office
- Credit report (max. 4 weeks old)
- Proof of equity capital
- Proof of other income
- Annual financial statements and business management report for existing businesses
- Purchase contract and commercial register excerpt
Evaluation criteria
- Achievement of the minimum funding level
- Sustainability orientation of the project
- Economic viability
Description
Hessen-MikroCrowd offers founders and private individuals in Hesse a unique opportunity to combine the strengths of crowdfunding and microloans. Through the Startnext platform, an initial minimum funding level of 5,000 euros is first achieved. Subsequently, a long-term microloan ranging from 3,000 to 35,000 euros can be applied for, with a term of seven years including twelve months without repayments. A one-time repayment grant of up to 1,000 euros complements the financing and reduces the repayment obligation. A positive SCHUFA credit report, a maximum of five years of full-time self-employment, residence in Germany, and application submission at least five days before the funding period ends on Startnext are the basic requirements. Investments and operating resources can be funded, as well as acquisitions, growth and consolidation measures in the context of existing businesses, and new establishments in Hesse.
The application requires a tabular CV, business registration or tax office confirmation, proof of equity capital, a current SCHUFA copy, and for existing companies, annual financial statements and purchase contract including commercial register excerpt. WIBank reviews the project for economic viability and sustainability alignment according to the EU De-minimis regulation. The decision is made continuously during the funding phase; after positive curation, the loan commitment is granted. Special repayments are possible at any time without fees, and customary bank securities are not required. Hessen-MikroCrowd thus supports innovative ideas and actively contributes to strengthening the start-up and SME landscape in Hesse. Interested projects can submit their documents via the contact form on the WIBank website and will receive an acknowledgment of receipt with further steps for financing.
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