Combined Guarantee and Equity Program

The combined program of the Bürgschaftsbank Hessen offers small and medium-sized enterprises, freelancers, start-ups, and successors in Hessen a flexible solution for securing investment and working capital financing. As a guarantee instrument, it compensates for missing collateral vis-à-vis house banks and simultaneously supports the equity base through participations. With a funding rate of up to 80% and the possibility to submit applications year-round, the program strengthens financial stability for various projects – from new foundations and business successions to expansions. Evaluation criteria include the economic viability of the project, creditworthiness and equity capital structure, involvement of the house bank, as well as the sustainability and future viability of the company.

Eligible for funding are companies with headquarters or branches in Hessen that operate according to national SME definitions, as well as founders and successors who can demonstrate a viable financing project. A prerequisite is the involvement of a Hessian house bank or savings bank and proof of a sound project and financing plan. Documents to be submitted include annual financial statements or business management evaluations (BWA), a business concept in the case of a new foundation, as well as a binding commitment from the house bank. By combining guarantees and participations, applicants can realize investment and working capital projects without having to rely on their own collateral, thereby sustainably increasing competitiveness in Hessen.