Assumption of Participation Guarantees

The Bürgschaftsbank Nordrhein-Westfalen GmbH supports companies, start-ups, and members of the liberal professions in North Rhine-Westphalia by providing a guarantee for silent partnerships of the Kapitalbeteiligungsgesellschaft NRW GmbH (KBG). Under this program, silent partnerships of up to €1.5 million are secured, with the Bürgschaftsbank assuming a maximum of 70% of the liability. The objective is to replace missing collateral and thus facilitate access to bank and KfW loans. Projects eligible for funding include the establishment, takeover, expansion, relocation, or rationalization of businesses, as well as growth investments in buildings, machinery, and market development. This guarantee strengthens investment readiness and sustainably promotes the competitiveness of small and medium-sized enterprises.

Applications can be submitted continuously and are processed via KBG NRW, which then forwards the application to the Bürgschaftsbank. A prerequisite is a registered office in North Rhine-Westphalia and classification as a small or medium-sized enterprise (SME) in the commercial sector, horticulture and landscaping, or as a member of the liberal professions. The term of the guaranteed participation is generally 7 to 10 years; participation within the framework of restructuring is excluded. This funding instrument enables investments of up to €1.5 million, thereby securing and promoting business start-ups, succession, and expansions in the long term. The services and conditions of the guarantee are tailored to the individual project requirements and agreed upon transparently.