Investment Financing
Interest-subsidized loan for companies in the commercial sector and members of the liberal professions in rural areas of Baden-Württemberg. Loan amount from €5,000 to €10 million per year, terms up to 30 years, grace period 0–2 years, optional sustainability bonus.
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Grant criteria
Funding objective
Financing of investments in rural areas of Baden-Württemberg, e.g. expansion, modernization, rationalization, business takeovers, relocations, as well as real estate investments for external rental.
Eligible expenses
- Investment costs for land
- Buildings
- Construction measures
- Machinery
- Equipment
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Non-eligible expenses
- Business start-up
- Installation of independent heating boilers using fossil fuels
Eligible to apply
- Companies
Funding requirements
- Commercial economy or liberal professions
- Investment in rural areas of Baden-Württemberg (municipalities <50,000 inhabitants, in the Stuttgart region <30,000)
- Fulfillment of defined climate protection criteria for sustainability bonus (optional)
Documents required for application
- Product information sheet
- Program information sheet
- De minimis declaration
- Aid application
- Application form for economic and agricultural promotion
- Exclusion list Agricultural Rentenbank
- Risk-based interest rate system form
- Sustainability bonus confirmation
Evaluation criteria
- Credit rating
- Collateral class
- Climate protection strategy (sustainability bonus)
Description
The investment financing offered by L-Bank provides small and medium-sized enterprises (SMEs) as well as members of the liberal professions based in Baden-Württemberg with a low-interest loan to implement investments in municipalities with up to 50,000 inhabitants (up to 30,000 in the Stuttgart region). Funding amounts ranging from €5,000 to €10 million per year cover up to 100% of eligible expenses. The terms run up to 30 years with up to two grace years without repayments. An optional sustainability bonus rewards companies with a defined climate protection strategy through additional interest rate reductions. Criteria for the bonus include the preparation of a CO₂ balance sheet, the setting of reduction targets, and the implementation of a catalog of measures, confirmed by external experts.
Funding is provided for expansion, modernization, rationalization, business takeovers, relocations, as well as real estate investments for external rental in rural areas. Eligible applicants are commercial enterprises and freelancers in municipalities with fewer than 50,000 inhabitants (under 30,000 in the Stuttgart region). Start-ups and fossil-fuel-operated independent heating boilers are excluded. Creditworthiness and collateral are factored into the determination of conditions; an optional combined guarantee of up to 80% secures missing collateral. Applications are submitted continuously through a house bank; required documents include the program and product information sheet, De-minimis declaration, and proof for the sustainability bonus. L-Bank provides advice on funding requirements and technical criteria – facilitating entry into long-term low-cost credit financing in rural areas.
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