IB.SH Investment Loan Economy

IB.SH Investment Loan Economy offers commercial enterprises, freelancers, start-ups, and project companies in Schleswig-Holstein an affordable and long-term financing option starting from 250,000 euros. With a term of up to 360 months, a wide range of investment projects can be co-financed – from replacement and expansion measures to new settlements, relocations, and rationalization projects, as well as energy efficiency measures, research and development initiatives, and foreign trade activities. The funding amount can cover up to 50% of the individual financing requirement and is granted jointly with the house bank. The program helps to advance innovative projects and sustainably strengthen the competitiveness of the economy in the true North.

A prerequisite for approval is an annual turnover of less than 500 million euros as well as an appropriate equity contribution. Collateralization is carried out according to banking standards in cooperation with the house bank, whereby IB.SH may not act as the largest lender. Companies in difficulty and projects aimed at refinancing existing bank liabilities are excluded from funding. Applications can be submitted informally at any time via the house bank. It is advisable to seek free and non-binding advice from the funding coordinators of the Investment Bank Schleswig-Holstein in advance. This ensures that all criteria are clarified in a timely manner and paves the way for tailored financing.