IB.SH SME Loan

The IB.SH SME Loan offers small and medium-sized enterprises as well as start-ups in Schleswig-Holstein an affordable financing solution. With loan amounts ranging from €25,000 to €250,000 and a term of 5 to 12 years (including up to two repayment-free years), the Investment Bank Schleswig-Holstein supports investments and liquidity needs for start-up, acquisition, and consolidation projects. A financing participation of 10% by the house bank is required for loan amounts over €100,000; exceptions apply for start-ups. The full disbursement amount (100% of the loan) ensures high planning security, and additional collateral is largely waived. Applications are processed easily through the house bank or directly via the IB.SH customer portal, which also digitizes task and document management.

Eligible are natural persons or entrepreneurs and companies with headquarters or projects in Schleswig-Holstein that are sustainably capable of servicing capital, demonstrate positive economic equity, and comprise a maximum of three shareholders as well as no more than two operationally active companies. Refinancing of bank liabilities or shareholder loans is not permitted. Creditworthiness must be demonstrated through positive SCHUFA indicators and a Creditreform index ≤ 349. The objective is to strengthen the regional SME network, secure jobs, and promote innovation in the economy of the true North. Through streamlined credit assessment processes and flexible usage options, the IB.SH SME Loan provides a reliable foundation for sustainable growth in Schleswig-Holstein.