Guarantees from the Guarantee Bank Schleswig-Holstein – Premium Guarantee

The Premium Guarantee of the Bürgschaftsbank Schleswig-Holstein is aimed at established small and medium-sized enterprises with headquarters or business premises in Schleswig-Holstein, which have been active in the market for more than three years and have strong creditworthiness (KfW credit rating class 1–3). The program provides default guarantees amounting to 50% of the loan sum and covers both investment and working capital loans. Examples of eligible funding include machinery acquisitions, commercial real estate, and working capital with loan amounts between €200,000 and €4 million. Start-up, takeover, or restructuring projects are excluded. The economic viability of the project as well as a positive employment effect for Schleswig-Holstein are also prerequisites for funding.

The application is submitted digitally via the applicant’s house bank and includes standardized bank documents as well as proof of the KfW credit rating class. Ongoing application submissions allow for flexible financing plans without fixed deadlines. The term is up to 180 months. The decision is based on the credit rating class, economic viability, and regional employment impact. With the Premium Guarantee, companies reduce their credit risk while simultaneously improving their negotiating position with financial institutions. The program complements the broad range of offerings from the Bürgschaftsbank Schleswig-Holstein, which has been providing default guarantees of up to 80% of the loan amount since 1949 and sustainably supports small and medium-sized enterprises in Northern Germany as an economic promoter.