Combined Guarantee and Equity Program

The combined guarantee and equity program is aimed at small and medium-sized enterprises (SMEs) as well as members of the liberal professions with headquarters or investment activities in Hesse. It offers a financing package consisting of a house bank guarantee secured up to 80% and a silent partnership by the Mittelständische Beteiligungsgesellschaft Hessen (MBG H) amounting to 25% of the loan volume. This enables companies to secure liquidity, finance operational investments, and simultaneously strengthen their equity base. The financing volume ranges from €100,000 up to a maximum of €500,000; the total term is up to 120 months. The program improves the financing structure by relieving the house bank in terms of creditworthiness and rating, and financing costs often decrease due to the default guarantee and the participation guarantee.

For an application, a comprehensive business plan and proof of at least two annual financial statements are required. The evaluation criteria include creditworthiness, the economic success of the project, and the quality of the business plan. In addition to working capital loans and investment financing, new projects, innovations, and growth initiatives are particularly eligible for funding. Restructuring and refinancing loans are excluded. Applications can be submitted continuously via the house bank or directly to Bürgschaftsbank Hessen GmbH. Due to the close cooperation between Bürgschaftsbank and MBG H, attractive conditions arise: a one-time processing fee of 1.5% of the guarantee amount plus VAT and an annual guarantee commission of 1.5% plus VAT make the combined program a practical solution for sustainable business financing in Hesse.