State Guarantee Program

The Rhineland-Palatinate State Guarantee Program enables small and medium-sized enterprises, members of liberal professions, start-ups, as well as social and cultural organizations in the state to secure investment, operating, and guarantee loans – even if customary bank collateral is lacking. Guarantee ratios of up to 80% relieve equity capital, while the state guarantee applies to individual commitments from €3.5 million. As the guarantor, the Investment and Structural Bank Rhineland-Palatinate (ISB) processes guarantee applications in close cooperation with the applicant’s house bank. The programs run continuously, and applications can be submitted at any time. The guarantee term is up to 180 months, with terms for construction measures extendable individually up to 23 years. The funding volume is determined individually and depends on the amount of the requested loan. One-time and ongoing fees are listed in the program’s condition tables – the ISB may deviate on a case-by-case basis if necessary.

Eligible for funding are companies in the commercial sector, craft enterprises, agricultural and forestry businesses, freelancers, start-ups, as well as providers of social or cultural institutions. A prerequisite is the use of the loan for economically and business-promotable projects, proper servicing of the loan, and compliance with the General Guarantee Conditions. The integration of the funding program into EU state aid regulations and de minimis rules is ensured. Evaluation criteria include customary bank collateral, economic viability assessments, and the EU-compliant framework. Various downloads (application, SEPA mandate, condition table, guide, data protection information, de minimis information sheet) are available in the ISB download center to assist applicants in preparation. Interested companies can submit the application for the state guarantee at any time together with their house bank.