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Subsidized Loans: KfW & State Development Banks

Subsidized loans from KfW and the state development institutions offer terms unavailable on the open market: interest advantages, long maturities, grace periods, and often a liability exemption for your principal bank. We structure your financing so that loans and grants work together optimally.

Free funding check
Advisor reviewing financing documents together with an entrepreneur

Who benefits from subsidized loans

  • Companies with medium and large investment projects
  • Businesses that want to preserve liquidity and use long maturities
  • Founders and successors without sufficient standard bank collateral
  • Companies with energy and efficiency projects

Program examples with typical key figures

  • KfW 263 'Renewable Energies – Standard' – up to 100% of eligible costs, up to €25 million per project
  • KfW 270 'Renewable Energies – Plus' – additional interest advantage via KfW relief amount
  • KfW 274 'Energy-Efficient Refurbishment' – low-interest financing with repayment grant for efficiency measures
  • KfW Entrepreneur Loan – investments and working capital, liability exemption up to 80% for the principal bank
  • ERP Start-up Loan / StartGeld – up to €125,000 for foundings and successions
  • State development banks – complementary programs with individual terms per federal state

Typical process

  • Financing concept: structuring the project, costs, and program combination
  • Application via your principal bank – subsidized loans are always routed through a credit institution
  • Approval, disbursement, and grace period
  • Documentation and, if applicable, combination with repayment or investment grants

Frequently asked questions about this service

Note: All figures on funding rates, caps, and terms are non-binding reference values. Only the current funding guidelines, grant notifications, and ancillary provisions of the funding bodies are authoritative.

Does this service fit your project?

In the free funding check we review which programs are available for you – non-binding and honest.

Free funding check

All services at a glance

From the free funding check to the proof of use – our services interlock.