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Strong Financing

KfW Loans & Subsidies

Take advantage of low-interest KfW startup loans for your business launch. We create the required business plan and accompany you safely through the bank meeting.

Book Initial Consultation Now * For the first hour. Non-binding.
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KfW-StartGeld

Up to 200,000 Euros

  • check_circle Low-interest loans for founders
  • check_circle 80% liability release for the house bank
  • check_circle Often possible without high equity

Understanding the House Bank Principle

An important principle for subsidies from the Kreditanstalt für Wiederaufbau (KfW) is the so-called house bank principle. This means you cannot apply for your promotional loan directly at the KfW in Frankfurt, but must do so through a house bank (your Sparkasse, Volksbank, etc.).

Despite state guarantees, house banks bear a residual risk. If there are gaps in the business plan, the KfW application is rejected immediately. We secure your financing through a bankable and seamless concept.

Which KfW Programs Are Available?

ERP Startup Loan – StartGeld

Most Common Choice

Ideal for small and medium-sized projects. Financing of investments and working capital up to a maximum of 200,000 euros per founder.

  • trending_up No equity required, but 10-15% secures the approval.
  • security 80% liability release for the transmitting bank.
  • schedule Very attractive, fixed interest rates.

ERP Startup Loan – Universal

For High Capital Needs

When you need more than 200,000 euros, for example for large gastronomy concepts or the takeover of an existing company.

  • trending_up High financing volume possible.
  • security Liability releases optional.
  • euro Stable equity is required by the bank.

How We Accompany You to the Bank

01

Strategy & Numbers

We create your bankable business and financial plan and calculate the exact capital requirement for the KfW application documents.

02

Bank Selection

Not every bank likes to support promotional loans. We help you choose the right partner bank (house bank) for your project.

03

The Bank Meeting

We prepare you intensively for the critical questions of the bank decision-makers so that you appear confident and convincing in the pitch.

Frequently Asked Questions

Key answers to KfW promotional loans.

You cannot apply for a KfW loan directly. The application is always made through your house bank (house bank principle). The house bank checks your project based on a detailed business plan and forwards it to the KfW if approved.
KfW StartGeld (up to 200,000 euros) can theoretically be applied for without personal equity. In practice, however, a 10% to 20% equity share significantly increases your chances of approval.
Yes, absolutely. No house bank will process or forward your application without a professional business plan and a detailed 3-year financial plan.
The application must be made before starting the project (before initial binding investments, rental, or purchase contracts). Later applications are usually not accepted.
In StartGeld loans, the KfW assumes 80% of the default risk from the house bank. This makes it easier for the bank to lend. Important: This release relieves the bank but does not release you as a founder from personal liability for the full amount.

Contact Us

Let's plan your financing strategy together.

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