NRW.Microloan
Loans up to €50,000 for start-ups and growth measures in North Rhine-Westphalia, financing share up to 100%, term up to 10 years (6 months repayment-free)
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Grant criteria
Funding objective
Support for start-ups as well as expansion and growth projects of micro-enterprises and young companies (up to 5 years after commencement of business) in North Rhine-Westphalia, especially for individuals with a migration background and previously underrepresented founder groups
Eligible expenses
- Expenditures related to start-up projects
- Expenditures for expansion and growth projects
- Personnel expenses
- Material costs
- Travel expenses
Non-eligible expenses
- Refinancing
- Follow-up financing
Eligible to apply
- Founders
- Companies
Funding requirements
- Company location in North Rhine-Westphalia
- Consultation and positive endorsement from a STARTERCENTER NRW
- Accompanying coaching or consulting for two years
- Professional and commercial qualification for the project
- Application must be submitted before project commencement
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Documents required for application
- Statement from the STARTERCENTER NRW
- Application documents from NRW.BANK
- Project description
- Financing plan
- De minimis declaration
- Declaration of state aid
- Proof of ESG funding requirements
Evaluation criteria
- professional and commercial qualification
- feasibility of the project
- sustainability aspects (ESG)
- statement from the STARTERCENTER NRW
Description
The NRW Microloan supports start-ups and young micro-enterprises (up to five years after business commencement) in North Rhine-Westphalia with low-interest loans of up to €50,000. With a financing share of up to 100%, it covers founding as well as growth and expansion measures. The term is a maximum of ten years, including up to six months of grace period without repayments. Particular emphasis is placed on supporting individuals with a migration background and previously underrepresented founders. NRW.BANK, as the state development bank, manages the program together with the STARTERCENTER NRW and emphasizes sustainable aspects in accordance with ESG funding requirements. Thus, the microloan contributes to strengthening the local economy and securing permanent jobs.
Eligible applicants are natural persons as well as civil law partnerships and entrepreneurial companies (UG with limited liability) with their registered office in NRW. Requirements include professional and commercial qualifications, application submission before project commencement, and a two-year accompanying consultancy. A positive endorsement from a STARTERCENTER NRW is mandatory. The loan can be used for personnel and material costs, travel expenses, and other project-related expenditures, but not for debt restructuring or refinancing. Applications can be submitted at any time and must be made before the project starts. Through the perfect combination of financing and consultancy, the NRW Microloan creates optimal conditions for start-ups and growth projects in North Rhine-Westphalia.
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