Capital for Small Businesses

Capital for Small Businesses is aimed at small commercial enterprises and freelancers based in Hesse who wish to strengthen their financing structure and liquidity in the long term. A subordinated loan ranging from €25,000 to €150,000 with a term of 84 months is funded. A repayment-free initial phase provides flexibility for the first twelve months, followed by fixed monthly installments over six years. WIBank grants the loan without customary bank collateral, making it easier to obtain additional external financing. Co-financing of at least 50% through a house bank loan is a prerequisite. The funds can be used flexibly – whether as a liquidity reserve, for advance financing of orders, working capital financing, or investments – thereby contributing to sustainable business development.

For the application process, the house bank procedure must be chosen: the trusted bank submits the documents to WIBank. Eligible applicants are companies with up to 25 employees subject to social insurance contributions (excluding trainees), an annual turnover of no more than €5 million, no group affiliation, and a credit rating with a one-year default probability of no more than 3%. The continuously open funding opportunities allow for time-independent applications. Required documents include the KfK application form (PDF or Word) as well as the KfK information sheet. The “Capital for Small Businesses” funding specifically alleviates financing bottlenecks and strengthens the growth of small companies in Hesse.