IB.SH Operating Resources Loan
Long-term loan for financing working capital (inventories, receivables) for companies and start-ups in Schleswig-Holstein. Minimum loan amount €250,000, usually up to 50% of the financing requirement. Application informally via the house bank, continuously possible.
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Grant criteria
Funding objective
The Investitionsbank Schleswig-Holstein strengthens the balance sheet structure of medium-sized companies through working capital loans and finances co- and refinancing of inventories and receivables, medium- to long-term working capital requirements, as well as investments previously financed via overdraft facilities.
Eligible expenses
- Co-financing and refinancing of inventories and receivables
- Financing of medium- and long-term working capital requirements
- Financing of investments previously financed through overdraft facilities
Non-eligible expenses
- Repayment of bank liabilities
Eligible to apply
- Founders
- Companies
Funding requirements
- Headquarters or planned project in Schleswig-Holstein
- Annual turnover under €500 million
- Appropriate own contribution required
- Companies must not be in difficulty
- IB.SH must not become the customer's largest lender
Description
The IB.SH Working Capital Loan supports founders and established small and medium-sized enterprises in Schleswig-Holstein in strengthening their balance sheet structure and covering the medium- to long-term financing needs for current assets. The funding particularly covers the co-financing and refinancing of inventories and receivables, as well as investments that were previously financed through overdraft accounts. Eligible applicants include commercial enterprises, members of the liberal professions, start-ups, and project companies with an annual turnover below €500 million and a registered office or planned project in Schleswig-Holstein. Companies in difficulty and the refinancing of existing bank liabilities are excluded from funding.
The loan is designed as a long-term facility and offers financing amounts starting from €250,000, generally up to 50% of the individual financing requirement, with a term of 24 to 120 months. An appropriate equity contribution as well as standard collateralization together with the house bank are prerequisites for approval. IB.SH never acts as the largest lender to avoid risk concentration. Informal applications can be submitted at any time through the house bank, enabling quick funding decisions. By combining with low-interest loans from KfW and the Agricultural Rentenbank, an attractive financing model is created that contributes to the sustainable strengthening of medium-sized structures in Schleswig-Holstein.
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