Leasing Guarantee of the Hamburg Guarantee Bank

The leasing guarantee from Bürgschaftsbank Hamburg GmbH enables commercial enterprises and liberal professions meeting SME criteria in Hamburg to access urgently needed leasing capital. For economically viable projects up to a total amount of €2 million, a default guarantee of up to 70% is provided. The guarantee covers liquidity and collateral gaps in vehicle, machinery, or other leasing financings, thereby sustainably securing entrepreneurial operational capability. The guarantee term is up to 120 months. Requirements include a economically sensible leasing project, sufficient creditworthiness, and a company headquarters or significant employment effect in Hamburg. The funding is continuously available and can be flexibly applied for via the financing portal of the guarantee banks.

The selection process focuses on the viability of the project, the economic situation of the company, and the regional employment impact. For the application, annual financial statements, current business management evaluations (BWA), a business plan including planning calculations, as well as a self-disclosure by the shareholders are required. The guarantee commission depends on credit conditions, term, desired quota, and creditworthiness. Through risk sharing with the federal and state governments, individual risk profiles are balanced and the unsecured risk for lessors is reduced. Bürgschaftsbank Hamburg supports both start-ups and established companies in investments in movable assets or equipment and contributes with its broad guarantee portfolio to strengthening the SME sector in the Hanseatic city. A straightforward application process and transparent conditions create planning security and promote growth projects across all industries.