Investments and Growth – Funding (Enterprises) – KfW Banking Group

The KfW Banking Group offers nationwide low-interest loans for small and medium-sized enterprises (SMEs), large mid-sized companies, as well as start-ups through its program "Investments and Growth – Support (Enterprises)". Both investments and working capital are financed via the ERP promotional loans for SMEs (365/366) and the KfW promotional loan for large mid-sized companies (375/376). The offering is complemented by the ERP equity participation program (100–104), which supports equity investments. The loans are characterized by long terms of up to 20 years, including a grace period without repayments, and simplified access thanks to partial risk assumption by KfW. Business start-ups, succession, and equity participation can all be supported, enabling a wide range of growth and development measures to be realized. Applications can be submitted continuously.

A prerequisite for funding is the company’s registered office or place of business in Germany, as well as a positive creditworthiness and credit capacity assessment by the house bank. Depending on the product, turnover or size limits must be observed. Eligible expenses include investments, working capital, as well as measures for business succession and equity participation. The program’s objective is to strengthen economic development in the mid-sized sector and support start-ups in building long-term corporate structures. Since 1948, the KfW Banking Group, as a promotional bank under public law, has pooled resources from the federal and state governments to sustainably improve social and ecological conditions. With a funding volume of over EUR 110 billion domestically and a dense network of partner institutions, it provides comprehensive financing solutions that promote innovative ideas and sustainable growth.