IB Construction and Modernization Loan
Low-interest loan for companies and start-ups in Saxony-Anhalt to finance renovation, modernization, and energy efficiency measures in commercially used buildings.
Discover your potential with AI support
- Find out if this grant matches your project
- Develop your application together with AI
- Get matched with many more suitable grants
Grant criteria
Funding objective
With the IB Construction and Modernization Loan, the Investment Bank of Saxony-Anhalt supports companies, start-ups, and freelancers in investments in commercially used buildings for construction, expansion, as well as modernization and improvement of the energy efficiency of production facilities.
Eligible expenses
- Capital investments
- Conversion measures
- Measures to improve energy efficiency
Non-eligible expenses
- Repayment of existing liabilities
- Pre-financing of grants
- Pre-financing of refundable value-added tax
Eligible to apply
- Companies
- Founders
Funding requirements
- Registered office or place of business in Saxony-Anhalt
- Proof of own funds and securing total financing
- Proof of commercial and professional qualification for business start-ups
- Sustainable profitability
- Minimum loan amount €25,000
- Show more
Documents required for application
- Application form
- Document checklist
- Application (AN-0-218)
- SEPA direct debit mandate
- SCHUFA self-disclosure
- Declaration from the house bank
- Sample business plan documents
- Survey form for beneficial owners
- Survey form for foundations
- Documentation of power of representation
- De-minimis declaration
- SME declaration
Evaluation criteria
- Sustainability of the measure
- Economic viability
- Increase in energy efficiency
Description
The IB Construction and Modernization Loan from the Investment Bank of Saxony-Anhalt offers companies, start-ups, and freelancers in Saxony-Anhalt a low-interest loan to finance construction, conversion, and modernization measures as well as to increase the energy efficiency of commercially used buildings. With terms of up to 180 months and a flexible repayment structure, including up to two repayment-free years, this financing pool supports investments in production facilities and office spaces alike. The maximum loan amount is €3 million, with a minimum amount of €25,000. Prerequisites include proof of commercial and technical qualification, securing overall financing, and sustainable profitability of the project. Companies in difficulty as well as projects for refinancing existing liabilities, pre-financing of grants, or refundable value-added tax are excluded from funding.
The focus is particularly on investment projects that strengthen long-term competitiveness while meeting ecological standards. For efficiency projects, a measurable final energy saving of at least 10% in combined heat and power generation must be demonstrated. As an SME program of the state of Saxony-Anhalt, it offers ongoing application opportunities, with application documents such as business plan templates, liquidity and financing plans, SEPA mandate, SCHUFA certificate, and proof of equity and qualifications to be submitted via the Investment Bank. The IB reviews the project based on economic, sustainable, and energy-efficient criteria and accompanies the loan approval with expert advice. Thus, the IB Construction and Modernization Loan opens new perspectives for growth and modern production and administrative structures for medium-sized companies and founders.
Ready to secure your funding?
Register now and let our AI guide you through the application process – from eligibility check to finished application.