Growth and Supplementary Financing

The growth and supplementary financing provided by Bremer Aufbau-Bank supports medium-sized enterprises in the state of Bremen with additional loans and guarantees, thereby complementing the financing from their primary bank. In advisory-intensive phases such as founding, growth, restructuring, and consolidation, flexible loan offers and guarantee assumptions are available. The objective is to promote investments in tangible and intangible assets, pre-financing of orders, and succession arrangements through secured financing leeway. Loan requests are processed in a partnership-based and competitively neutral manner, complementing the primary bank’s commitment, with the Free Hanseatic City of Bremen liable for the refinancing advantages of BAB, which are directly reflected in the terms and conditions.

Funding is provided to SMEs headquartered in Bremen or Bremerhaven that apply for at least €150,000 as the BAB share and whose projects demonstrate a clear state interest. The funding is granted in the form of loans or guarantees, whereby the BAB share can amount to up to 50% of the primary bank’s financing. A standard creditworthiness assessment as well as compliance with the conditions – no competition with other credit institutions and no assumption of existing liabilities – form the basis of the decision. Applications can be submitted informally at any time before the start of the project through the primary bank. By securing interest rates for up to ten years and offering optional grace periods on repayments, the program provides tailored financing structures for sustainable business growth in Bremen.