Liquidity Assistance BERLIN
Loans for companies in Berlin with acute liquidity needs due to payment defaults, revenue declines, or advance financing of orders. Up to EUR 1.0 million, in exceptional cases up to EUR 2.5 million. Application can be informal or online.
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Grant criteria
Funding objective
Support for established small and medium-sized enterprises with a business location in Berlin facing financial bottlenecks due to payment defaults, temporary sales declines, or advance financing of orders. Financing of expenses related to restructuring and market adjustment through rescue aid, temporary restructuring aid, or restructuring aid to restore long-term profitability.
Eligible expenses
- Liquidity securing costs
- Restructuring and market adjustment costs
Non-eligible expenses
- Repayment of loans from main banks
- Investment costs for growth and capacity building
Eligible to apply
- Companies
Funding requirements
- SMEs according to the EU definition with a business location in Berlin
- Start-up phase older than three years
- No other financing options available in a timely manner
- Funds not to be used for repayment of house bank loans
- Co-financing by house bank or shareholders in a substantial amount required
Documents required for application
- Application form
- Signature specimen sheet
- SME self-declaration
- PEP declaration
- Commercial register excerpt
- Transparency register excerpt
- Articles of association with shareholder list
- Annual financial statements of the last three years and interim financial statements
- Bank-standard collateral proposal
- Rehabilitation plan from an independent expert
Evaluation criteria
- Sustainability and viability of the rehabilitation concept
- Necessity of state aid (principle of subsidiarity)
- Co-financing by other funders
- Long-term restoration of profitability
Description
The “Liquidity Assistance BERLIN” provided by the Investitionsbank Berlin (IBB) offers small and medium-sized enterprises (SMEs) based in the capital city rapid and effective loans in cases of financial bottlenecks. In the event of payment defaults, temporary sales declines, or necessary advance financing of orders, up to EUR 1 million is available – in justified exceptional cases up to EUR 2.5 million. The funding can be applied for informally or online and also finances co-financeable expenses in the context of restructuring and market adjustment measures. This includes rescue aid, temporary restructuring aid, as well as long-term restructuring aid with terms of up to five years, usually including two years of grace period. The interest rate is based on the capital market rate, and co-financing by the house bank or shareholders is generally required.
Funding is provided to EU-defined SMEs with more than three years past the start-up phase, which cannot timely utilize alternative financing options and whose loan is not used to repay existing house bank credits. Application documents such as the application form, self-declarations, excerpts from the commercial register and transparency register, articles of association, financial statements of the last three years, as well as an independent restructuring plan must be submitted. Approval is granted after reviewing the sustainability and viability of the concept, the subsidiarity principle, co-financing, and the prospect of long-term profitability. Applications can be submitted at any time until December 31, 2025.