NRW.BANK Efficiency Loan
Low-interest loan from NRW.BANK for companies and members of the liberal professions in North Rhine-Westphalia to finance energy-efficient investments up to 100% of eligible costs. Terms 4–25 years, maximum loan amount €10 million.
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Grant criteria
Funding objective
Support for companies and members of the liberal professions in investments aimed at the sustainable increase of energy and resource efficiency, modernization of existing facilities, replacement investments, as well as new construction and renovation of non-residential buildings with energy and CO₂ savings.
Eligible expenses
- Replacement investments (equipment, commercial vehicles)
- Modernization and overhaul of existing facilities
- New construction and renovation of non-residential buildings
- Planning and consulting services
- Architectural and incidental construction costs
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Non-eligible expenses
- Refinancing and follow-up financing of already completed projects
- Export-related projects
- Projects in economic difficulty
- Acquisition of real estate
Eligible to apply
- Companies
Funding requirements
- Investment location in North Rhine-Westphalia
- Application submission before the start of the measure
- Commitment BEG/KFN or confirmation by energy efficiency experts or sustainability certificate in the construction variant
- Ensure overall financing of the project
- Compliance with ESG funding requirements
Documents required for application
- Refinancing application
- Attachment to the application
- Attachment for other persons involved in the loan
- Attachment definitions/explanations
- De minimis aid declaration
- Grant declaration
- SME status certificate
- Data protection information
- Information sheet on the efficiency loan
Evaluation criteria
- Creditworthiness of the company
- Value retention of the collateral
- Compliance with energy-efficient standards
Description
The NRW.BANK Efficiency Loan is aimed at domestic and foreign companies in the commercial sector as well as members of the liberal professions with investment locations in North Rhine-Westphalia. Funding is provided for replacement investments and complete overhauls of existing assets, modernizations, new construction and renovation of non-residential buildings, as well as planning and consulting services including architects’ fees, incidental construction costs, costs for energy efficiency experts, and sustainability certification. The low-interest installment loan finances up to 100% of eligible costs up to a maximum of €10 million, optionally with terms ranging from 4 to 25 years and an optional 50% liability release for the house bank. Thanks to fixed interest rates over the entire term, planning security is created for transformation projects in the fields of energy efficiency, renewable energies, and climate protection. Prerequisites include, among others, securing overall financing, application submission before the start of the measure, as well as a BEG/KFN approval or confirmation by energy efficiency experts or an applied-for sustainability certificate. ESG criteria must be observed as binding.
NRW.BANK supports the Efficiency Loan particularly for investments that lead to significant energy, resource, and CO₂ savings. The goal is the permanent modernization of existing infrastructure as well as the construction of energy-efficient efficiency buildings. Companies of all sizes and freelance professional practices are eligible for funding. Excluded are, among others, refinancing of already completed projects, export projects, companies in difficulty, and real estate acquisitions. The funding decision is made in-house by NRW.BANK through the house bank procedure via savings banks, cooperative banks, and other credit institutions. The transparent combination of fixed interest rates, flexible terms, and reliable liability releases makes the NRW.BANK Efficiency Loan a cornerstone of a climate-friendly and economically strong future in North Rhine-Westphalia.
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