IB Start-up Loan
Loan program of the Investment Bank of Saxony-Anhalt for start-ups, freelancers, and young companies in Saxony-Anhalt: loans from €10,000 to €500,000. Term up to 15 years, up to 2 years repayment-free. Applications can be submitted continuously until 2027.
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Grant criteria
Funding objective
The IB Start-up Loan supports founders and young companies (up to five years after establishment) as well as members of the liberal professions with investments, working capital, and the pre-financing of orders in Saxony-Anhalt.
Eligible expenses
- Investments
- Operating resources and operating expenses
- Contract pre-financing
Non-eligible expenses
- Repayment of existing liabilities
- Operating resources for pure liquidity improvement
- Pre-financing of grants and refundable VAT
- Financing of primary agricultural production enterprises
- Export-related activities
Eligible to apply
- Founders
- Companies
- Non-profit Organizations
Funding requirements
- Registered office or place of business in Saxony-Anhalt
- Company formation not older than 5 years
- viable concept (qualified business plan)
- proof of commercial qualification
- securing the overall financing of the project
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Documents required for application
- Application AN-0-218 (IB form)
- Document checklist SME-DF 2021-2027
- Declaration of the house bank
- Sample documents business plan (AN-6-001)
- SCHUFA self-disclosure and consent form
- De-minimis declaration
- SME declaration
- Questionnaire on beneficial owner
- Documentation of authorization to represent
- SEPA direct debit mandate
Evaluation criteria
- Viability of the business plan
- Creditworthiness of the company
- Availability and quality of collateral
Description
The IB Start-up Loan is a low-interest credit program offered by the Investment Bank of Saxony-Anhalt (IB), specifically targeting start-ups, freelancers, and young companies (up to five years after founding) based in Saxony-Anhalt. It supports investments in machinery, software, and operational facilities, working capital, as well as the pre-financing of orders. The loan amount ranges from €10,000 to €500,000, with a term of up to 15 years and up to two repayment-free years. The program aims to strengthen the competitiveness and innovative capacity of small and medium-sized enterprises (SMEs) in the region and to sustainably secure their overall financing needs.
A prerequisite for funding is the submission of a viable concept (qualified business plan), proof of commercial qualification, and assurance of overall financing. Companies in difficulty according to the EU definition are excluded. Application documents include, among others, the form AN-0-218, a detailed document checklist, a declaration from the house bank, a SCHUFA self-disclosure, and a De-minimis declaration. Applications can be submitted continuously until 31.12.2027 to the IB. The Investment Bank reviews the viability of the project, creditworthiness, and the quality of collateral. With the IB Start-up Loan, young entrepreneurs in Saxony-Anhalt gain a reliable financing partner to implement business ideas quickly and solidly.
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