NRW.BANK Consortium Loan Commercial Economy
Financing of commercial projects in North Rhine-Westphalia through consortium loans from NRW.BANK with up to 50% risk participation, minimum €1 million commitment per project. Support for growth, innovation, and environmental measures. Application informally through the house bank.
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Grant criteria
Funding objective
NRW.BANK supports banks and savings banks through risk participations in providing financing for commercial enterprises in North Rhine-Westphalia, particularly for growth, innovation, and environmental measures, working capital, relocations, and business successions.
Eligible expenses
- Investments within the scope of business establishments and expansions
- Environmental protection and innovation measures
- Operating resources
- Follow-up financing
- Refinancing/restructuring of liabilities
Non-eligible expenses
- Restructuring cases
- Companies in difficulty
- Debt restructuring
Eligible to apply
- Companies
Funding requirements
- Operational projects in North Rhine-Westphalia
- from the 3rd financial year after commencement of business
- Standard turnover limit €1 billion
- Invitation by a house bank as consortium leader
- Compliance with ESG funding requirements
Documents required for application
- Informal application through the house bank
- Documents regarding the project and creditworthiness assessment
- Proof of compliance with ESG funding requirements
Evaluation criteria
- Expected sustainable economic success of the project
- Compliance with ESG funding requirements
- Conditions of consortium management by the house bank
Description
The NRW.BANK Consortium Loan for Commercial Enterprises enables medium-sized companies in North Rhine-Westphalia to obtain tailored financing for growth, innovation, and environmental projects. Within the framework of a house bank-led consortium financing, NRW.BANK participates with up to 50% of the eligible expenses, with a minimum commitment of €1 million per project. The loan can be used for business establishment and expansion, relocation, business succession, working capital, and investments in environmental protection or innovation measures. Funds are also available for refinancing as well as restructuring or new structuring of liabilities. Terms and conditions are negotiated individually between consortium leaders and end borrowers. Through risk-sharing or cash participation, the development bank complements the offering without constituting state aid under subsidy law and supports the long-term liquidity and competitiveness of companies.
Funding is provided to privately managed commercial enterprises from their third financial year onwards, with headquarters or investment location in North Rhine-Westphalia and a standard turnover limit of €1 billion. An invitation by the house bank as consortium leader marks the formal start. ESG requirements must be observed during project implementation, thereby minimizing sustainability risks in line with the Paris climate goals. The house bank forwards the informal application and all supporting documents—including project documentation, creditworthiness assessment, and ESG evidence—to NRW.BANK. Thanks to this flexible instrument, companies benefit from internationally recognized financing to drive innovative investments and secure the future viability of the North Rhine-Westphalia economic location.
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