Combination Loan for SMEs with Climate Bonus

The Combined Loan for SMEs with Climate Bonus is aimed at medium-sized enterprises based in Baden-Württemberg and promotes investments in energy efficiency and climate protection. It combines low-interest financing with an additional bonus for particularly effective measures, thereby supporting energy renovations, modernizations, and CO₂ reduction projects. The combination of loan and climate bonus enables financing for acquisitions such as energy-efficient technology as well as extensive modernization work. The core objective is to increase energy-saving potential and sustainably strengthen economic performance in the region. The economic viability of the project as well as the climate policy impact of the planned measures are evaluated.

Applications can be submitted year-round and require a company location in Baden-Württemberg as well as compliance with the EU definition of SMEs. Eligible funding includes, among other things, investment costs for energy-saving measures, the procurement of modern equipment, and all modernization work aimed at CO₂ reduction. Application documents must include a detailed investment and financing plan, the financial statements of the last two fiscal years, and a presentation of the anticipated climate protection impact. The L-Bank, as the state development bank of Baden-Württemberg, is responsible for implementation and advisory services, ensuring that companies benefit from attractive conditions and expertise in funding matters. The combined loan thus offers a pragmatic way to realize sustainable investments and achieve long-term energy and cost savings.