Liquidity Assistance BERLIN
Loans for SMEs in Berlin to bridge liquidity shortages, e.g., due to payment defaults or revenue declines. Loan amounts up to €1 million (in exceptional cases up to €2.5 million), term up to 5 years, applications accepted at any time.
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Grant criteria
Funding objective
The funding serves to ensure the liquidity of established small and medium-sized enterprises (SMEs) in Berlin in the event of payment defaults, temporary sales declines, or advance financing of orders. This allows cash-effective expenses within the framework of restructuring and market adjustment measures to be financed.
Eligible expenses
- Liquidity needs (e.g. accounts payable to suppliers)
- Personnel expenses
- Rent
- Cash-effective expenses for restructuring and market adjustment
Non-eligible expenses
- Capital expenditures (e.g., acquisition of machinery/fixed assets)
- Repayment of bank loans
Eligible to apply
- Companies
Funding requirements
- Business location in Berlin
- SME according to EU definition with completed start-up phase
- No utilization of other liquidity aid programs from federal or state government
- Not to be used for repayment of main bank loans
- Viable restructuring plan must be submitted
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Documents required for application
- Completed application form
- Renovation concept
- Checklist
- SME self-declaration
- Subsidy declaration
- Company documents
Evaluation criteria
- Viability of the restructuring concept
- Labor market and structural policy aspects
- Co-financing by third parties
Description
The BERLIN Liquidity Assistance offers small and medium-sized enterprises (SMEs) with a business location in Berlin an attractive loan solution to bridge acute financing gaps. Funded are cash-effective expenses incurred in the context of restructuring and market adjustment measures – such as supplier liabilities, personnel, or rental costs. The maximum loan amount is €1 million, in justified exceptional cases up to €2.5 million, with a term of up to five years. A grace period of up to two years without repayments is generally possible. The interest rate is based on the capital market rate and is supplemented by a small surcharge from the Investitionsbank Berlin (IBB).
Eligible for funding are established SMEs according to the EU definition, whose three-year start-up phase has been completed. A prerequisite for approval is a viable restructuring plan demonstrating sustainable profitability, as well as significant co-financing by other financiers (for example, house bank or shareholders). Simultaneous utilization of other liquidity assistance programs from the federal or state government is excluded, and the funds may not be used to repay existing house bank loans. Applications can be submitted continuously. The Investitionsbank Berlin recommends early application to cover liquidity needs as seamlessly as possible and to sustainably strengthen the company’s competitiveness.
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