Agriculture – Sustainability
L-Bank grants low-interest loans for investments by agricultural enterprises in Baden-Württemberg with top and premium conditions for projects in energy efficiency, emission reduction, animal welfare, and future fields such as agri-PV, agroforestry, or irrigation. Loans up to €10 million with 100% financing.
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Grant criteria
Funding objective
Promotion of investments in agricultural enterprises to increase energy efficiency, reduce emissions, improve animal husbandry, and facilitate the transformation towards more sustainable farming practices in Baden-Württemberg.
Eligible expenses
- Investment costs (buildings, barn conversions)
- Machinery and equipment
- Agri-photovoltaic systems
- Agroforestry systems and paludiculture
- Irrigation systems and storage basins
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Non-eligible expenses
- Operating resources and current assets
- Acquisition of shares, company takeovers
- Acquisition of agricultural production rights
- Acquisition and planting of annual crops
- Acquisition of animals
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Eligible to apply
- Companies
Funding requirements
- SMEs in agriculture as well as horticulture and viticulture according to the EU definition
- Investment location is in Baden-Württemberg
- Completed and approved EIA for relevant projects
- Proof of EU sustainability criteria for bioenergy projects
Documents required for application
- Loan application for commercial and agricultural promotion (WF_1001)
- Cumulative declaration (WF_1302)
- Aid application (WF_1301)
- De minimis declaration (Form 1332)
- Data protection information economic development
Evaluation criteria
- Creditworthiness (rating/scoring)
- Value of collateral
- Contribution to sustainable management
- Degree of innovation of the project
Description
The L-Bank grants agricultural enterprises in Baden-Württemberg low-interest loans of up to €10 million per company and year. Funding is provided for investments aimed at increasing energy efficiency, reducing emissions, improving animal welfare, as well as in future fields such as agri-photovoltaics, agroforestry systems, paludiculture, or efficient irrigation systems including storage basins. Financing is carried out through the house bank procedure at top and premium conditions, enabling 100% funding of the recognized investment costs. Small and medium-sized enterprises in primary production in the sectors of agriculture, horticulture, and viticulture benefit not only from reduced nominal interest rates but also receive an additional interest bonus for measures in the defined future fields. Loan terms range from 6 to 30 years with variable grace periods and fixed interest rate periods of up to 20 years. Conditions include, among others, the EU SME definition, an investment location in Baden-Württemberg, and, if applicable, proof of EIA approval and EU sustainability criteria for bioenergy projects.
For the application process, the house bank submits the funding applications and state aid-related documents (WF_1001, WF_1301/1302, de minimis declaration) electronically or in paper form to the L-Bank. Project commencement is only possible after application submission; investment accounting must be completed within 12 months after disbursement begins. Loans are secured in the usual banking manner; upon request, an agricultural guarantee from the Guarantee Bank can be applied for. Evaluation is risk-appropriate based on creditworthiness and the value of the collateral. The program duration is limited until June 30, 2030. Entrepreneurs thus receive tailored financing offers for the sustainable transformation of their enterprises and to strengthen climate protection in the agricultural sector.
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