State Guarantees (BAB)

The Bremer Aufbau-Bank provides statewide guarantees to secure financing that is of particular interest to the state of Bremen. This supports loans for investments, working capital, guarantees, as well as refinancing and consolidations. Eligible for funding are companies in the commercial sector, freelancers, non-profit associations, and other economic entities based in the state of Bremen. Up to 80% of the loan amount can be secured through the house bank, with a maximum term of 180 months. The default guarantees offer a wide range of borrowers planning security and strengthen the regional economic strength.

A prerequisite for approval is a viable project that has a sustainable impact on the Bremen economic location, as well as solid creditworthiness and the provision of all reasonable securities. Applications are submitted easily and year-round through the house bank. In addition to a one-time application fee of 1% of the guarantee amount, annual administrative costs of 0.75% of the secured amount apply. Selection is made according to clear evaluation criteria such as the economic efficiency of the project and regional significance. Interested parties can contact their house bank at any time to initiate an individual review and consultation, thereby creating the conditions for successful financing.