Liquidity Credit
Medium-sized companies and freelancers in Baden-Württemberg can receive low-interest loans ranging from €10,000 to €5 million to cover working capital financing, consolidations, and business acquisitions. Applications can be submitted at any time through the primary bank.
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Grant criteria
Funding objective
Financing of operational liquidity requirements for business development, to ensure solvency (consolidations/debt restructuring), as well as for the financing of business acquisitions (purchase price, follow-up investments, severance payments).
Eligible expenses
- Working capital financing
- Consolidations
- Business acquisitions
Non-eligible expenses
- Pure investment projects
- Projects without reference to Baden-Württemberg
- Installation of standalone fossil fuel boilers from 01.01.2025
Eligible to apply
- Companies
- Founders
Funding requirements
- Registered office or place of business in Baden-Württemberg
- Viable overall economic concept confirmed by the house bank
- Compliance with environmental and social legal requirements
- Maximum of 500 employees
- No companies in difficulty according to EU guidelines
Documents required for application
- Application form WF_1001
- Subsidy application WF_1301
- Data protection information
- Program information sheet Liquidity Credit
- Terms overview Economic Development
Evaluation criteria
- Creditworthiness of the company
- Value of the loan collateral
- Viability of the overall economic concept
Description
The liquidity loan from L-Bank supports medium-sized enterprises as well as members of the liberal professions in Baden-Württemberg in securing their ongoing financial needs. With interest-subsidized loans ranging from €10,000 to €5 million, working capital financing, consolidations, and business acquisitions can be fully financed. The goal is to ensure liquidity, create growth opportunities, and support succession arrangements. The maximum funding limit is based on a viable overall economic concept, which must be confirmed by the house bank. The loan is available for repayment over 4 to 20 years and offers flexible fixed interest periods and grace periods; for credit lines without sufficient collateral, guarantees can be obtained on favorable terms.
Funding is provided to companies with up to 500 employees and self-employed professionals with a registered office or place of business in Baden-Württemberg, provided they comply with environmental and social standards. Pure investment projects, projects without a state reference, or standalone fossil fuel heating boilers from 01/01/2025 are excluded. Evaluation is based on creditworthiness, the value of the loan collateral, and the viability of the overall concept; a 100% funding rate is possible. Applications can be submitted at any time through the house bank. Applicants submit, among other documents, form WF_1001, the aid application WF_1301, the program information sheet, and the terms overview as part of the house bank procedure. After positive review, the house bank disburses the subsidized loan and manages the further process, including proof of use and monitoring.
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