Combined Guarantee 50

The Kombi-Bürgschaft 50 from L-Bank enables small and medium-sized enterprises as well as start-ups in Baden-Württemberg to securely back their financing projects. By assuming up to 50% of the loan amount as a guarantee, the risk for house banks is significantly reduced, making investment and working capital financing easier to realize. Applications can be submitted year-round, allowing flexible support for short-term financing needs. The guarantee covers both investment financing for machinery, buildings, or technical equipment and working capital financing to cover ongoing expenses.

For a successful application, companies must have a registered office or branch in Baden-Württemberg and submit a comprehensible financing plan. Key evaluation criteria include the company’s creditworthiness, the plausibility of the financing purpose, and, in the case of start-ups, a convincing business concept. Required documents include the completed application form from L-Bank, a detailed financing plan, a current business management evaluation (BWA), as well as a business plan or project description. With the Kombi-Bürgschaft 50, applicants receive reliable support to sustainably implement their growth and innovation projects and significantly facilitate access to bank loans.