Growth and Supplementary Financing (BAB)

The growth and supplementary financing provided by Bremer Aufbau-Bank (BAB) supports small and medium-sized enterprises based in the state of Bremen in securing additional capital and collateral for investments, new projects, or the pre-financing of orders. As a risk partner, BAB complements the commitment of the primary bank through traditional loans, order financing, or guarantee assumption. The focus is on advisory-intensive phases such as start-up, growth, restructuring, and consolidation. A flexible application process, which can be submitted at any time, enables tailored financing with individually agreed interest rates and terms aligned with the depreciation period of the investment asset. Grace periods without repayments and fixed interest rates for up to ten years provide planning security.

Funding is provided for investments in tangible and intangible assets as well as financing within the framework of succession arrangements. The minimum funding amount is 150,000 euros (BAB share); the assumption of existing liabilities is excluded. The measure covers up to 50% of the financing requirement and requires, in addition to SME status, that the application be submitted before the start of the project. A standard creditworthiness assessment and a cooperative partnership with the primary bank form the basis of support. Companies in the state of Bremen thus benefit from additional funds on attractive terms and can sustainably realize their growth plans.