NRW.BANK Universal Credit

The NRW.BANK Universal Credit offers a sustainable financing solution for investments, working capital, and growth projects in North Rhine-Westphalia. The long-term loan is available to small and medium-sized enterprises, founders, start-ups, private individuals in the housing sector, non-profit organizations, cooperatives, foundations, as well as public institutions. The aim is to support innovation projects, infrastructure measures, and modernization initiatives – from the construction of new production facilities to securing liquidity. With a funding rate of up to 100%, the program enables the refinancing of existing loans as well as the coverage of ongoing operating costs. A registered office or place of business in North Rhine-Westphalia and proof of the project’s sustainable economic viability are prerequisites.

Applications can be submitted continuously, ensuring flexible planning without rigid deadlines. Key criteria include economic viability, sustainability aspects, and the potential creation or preservation of jobs. Eligible expenses include investment costs, working capital, liquidity assurance, and refinancing of existing loans. Required documents for submission are the completed application form, a detailed financing plan, a business management evaluation, and a final proof of use. NRW.BANK acts as a strategic partner to further promote economic development and quality of life in the region.