Consortium Loan of the Investment and Structural Bank Rhineland-Palatinate
The ISB participates up to 50% in consortium loans for investment, operational, and guarantee financing of companies and housing construction companies in Rhineland-Palatinate. Terms up to 25 years, application informally via the consortium leader.
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Grant criteria
Funding objective
Through the participation of the ISB in a loan consortium, structurally significant projects in Rhineland-Palatinate are to be promoted. A special structural effect arises when the project contributes to the improvement of the economic and housing structure or the labor supply. The consortium loan contributes to the creation and preservation of competitive companies, future-proof jobs, and modern housing.
Eligible expenses
- Investments
- Operating resources
- Guarantee framework
Non-eligible expenses
- Financing for restructuring cases
- Companies in financial difficulties
Eligible to apply
- Companies
Funding requirements
- Registered office or place of business in Rhineland-Palatinate
- Rating with 1-year default probability ≤ 2.00% (ISB rating grade 9)
- Participation of at least one additional consortium member
- No restructuring cases or companies in difficulty
Documents required for application
- Informal application by the consortium leader
- Creditworthiness and risk analysis of the consortium leader
- Proof of the rating result
Evaluation criteria
- Structural policy significance of the project
- Degree of innovation
- Employment effect
Description
The consortium loan from the Investment and Structural Bank Rhineland-Palatinate (ISB) is aimed at companies in the commercial sector, freelancers, as well as housing construction companies with headquarters or business premises in Rhineland-Palatinate, who wish to finance investments, working capital, or guarantee frameworks. The ISB participates with up to 50% in the credit consortium and provides loans with maturities of up to 25 years. Prerequisites include, in addition to a solid creditworthiness and risk analysis, a rating with a one-year default probability of no more than 2.00% (ISB rating grade 9) as well as the involvement of at least one other consortium member. Restructuring cases and companies in economic difficulties are excluded. Applications can be submitted informally at any time through the lead consortium bank.
The consortium loan aims to promote structurally significant projects that contribute to strengthening the economic and housing structure as well as creating future-proof jobs in Rhineland-Palatinate. Particular focus is placed on employment-intensive and innovative projects, digitization measures, and the expansion of modern housing. The ISB’s participation in a consortium strengthens the capital base and offers refinancing advantages for the consortium members. Evaluation criteria include structural policy significance, degree of innovation, and employment effect. Thus, the program supports companies in securing their competitiveness and generating long-term growth impulses in the federal state.
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