KfW Consortium Loan for Innovation and Digitalization
Low-interest loan for investments and working capital in the areas of innovation and digitalization. Available nationwide for domestic and foreign companies as well as project companies, can be applied for at any time through a financing partner.
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Grant criteria
Funding objective
Flexible financing of investments and working capital in the areas of innovation and digitalization to strengthen the innovation and competitiveness of commercial enterprises and project companies.
Eligible expenses
- Investments
- Operating resources
Non-eligible expenses
- Refinancing of already completed projects
- Additional funding for already completed projects
Eligible to apply
- Companies
Funding requirements
- Commercial enterprises or project companies
- Majority privately owned
- Project must be forward-looking (innovation or digitalization)
- No refinancing or restructuring of already completed projects
- Application must be submitted through a financing partner
Documents required for application
- Information sheet KfW consortium loan Innovation and Digitalization (600 000 4331)
- Annex to the information sheet – Definition and project description (600 000 4332)
- Data protection notices and information on the right to object (600 000 5066)
Evaluation criteria
- Degree of innovation of the project
- Quality of the digitization concept
- Economic viability and risk assessment
Description
The KfW Consortium Loan for Innovation and Digitalization offers commercial enterprises as well as project companies in Germany a low-interest and flexible loan solution for investments and working capital in forward-looking innovation and digitalization projects. Available nationwide, the offer is aimed at privately majority-owned companies – domestic and foreign enterprises with projects in Germany as well as German companies with foreign subsidiaries. Through KfW’s participation in up to 50% of the default risk, the loan ensures easier access to financing structures with varying terms and conditions. The goal is the sustainable strengthening of the innovation capacity and competitiveness of small and medium-sized enterprises through a partnership-based risk assumption and tailor-made financing solutions.
A prerequisite for funding is a clearly defined project with a high degree of innovation or a convincing digitalization concept; refinancing or restructuring of already completed projects is excluded. The maximum risk exposure of KfW is €100 million. The innovation level, quality of the digitalization concept, as well as economic viability and risk assessment are evaluated. Applications can be submitted at any time through a financing partner. The following documents are required for the application: Information Sheet KfW Consortium Loan Innovation and Digitalization (600 000 4331), Annex – Definition and Project Description (600 000 4332), and Data Protection Notices and Information on the Right to Object (600 000 5066). These documents form the basis for a thorough review and successful loan approval.
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