Access to finance
Access to EU finance
This site will help you to apply for finance supported by the European Union. To access EU finance, click on your country to locate banks or venture capital funds that provide finance supported by the EU:
National sources of finance
The Federal Government as well as the ERP Special Fund, the federal states and the EU support business founders, SMEs and entrepreneurs through support programmes. These generally involve loans but also non-repayable subsidies. Public assistance loans typically have low interest rates, long maturity dates and often a grace period before you have to start repaying the loan.
Public funding from the Federal Government and the federal states must be applied for from the company’s bank, i.e. from a commercial bank in the town where the company submitting the application is based. Financial commitments should not be entered into without first obtaining information about these types of support programs. Funding must generally be applied for before the start of the project.
The main support programmes for business founders and SMEs:
Support for coaching measures for economic, financial and organisational matters (up to five years after the business is founded).
Support for part-time and full-time business start-ups, takeover of a company, acquisition of an active holding and stabilisation measures (up to three years after the business is founded).
Support for medium and long-term financing of investments and working capital.
Support for start-up and stabilisation projects: The loans (subordinated loans) carry unlimited liability and hence serve as equity (up to three years after the business is founded).
Funding of research close to the market and the development of new products and processes as well as their market entry.
Funding of small tech companies through long-term equity participation at pari passu conditions.
To secure loans and stakes in commercial businesses with a sustainable approach that do not have sufficient bankable securities.
Business support organisations can advise businesses on how to find financing.