KfW Bank: Funding opportunities
KfW Bank is the first point of contact when it comes to financing for SMEs, start-ups or environmental and climate protection. One focus is on the area of start-ups. In addition to providing financial support, KfW Bank also actively advises those wishing to set up a business with services such as the start-up platform to give more people the courage to realize their own ideas.
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KfW Bank has developed a wide range of promotional programs to fulfill its statutory mandate to promote development and progress. These are supported by the programs of the European Union, for example to promote greater competitiveness within the EU.
In addition to the promotional programs in the areas of innovation and start-ups, KfW Bank also offers services to support sustainable developments in the area of energy & environment as well as the consolidation or expansion of already established companies.
Here is an overview of KfW Bank's options for financing the various projects:
ERP Start-up loan - StartGeld
With this program, KfW assumes up to 80% of the lender's credit default risk as part of an EU program. Both investment measures in the context of a start-up as well as requirements for ongoing working capital can benefit from this loan guarantee.
Details on this funding program are available at the following link:
ERP capital for start-ups
The complete program for a start-up provides the financial means for setting up a business. This can include requirements for investment measures, operating resources or the first trade fair appearance.
This program is also interesting for young companies up to three years after the start of business operations or company successors.
Current conditions and details on this program can be viewed under the following link:
KfW Entrepreneur Loan
The KfW Entrepreneur Loan is aimed at established companies, freelancers and private individuals who have been active on the market for at least five years and want to further consolidate or expand their business area. In addition to investment measures, it also supports takeovers or investment projects.
A description with the current conditions can be found under the following link:
ERP participation program
With the help of this program, KfW supports small and medium-sized commercial enterprises and their investors - a win-win situation. The company seeking capital can raise equity capital to finance innovations or structural adjustments, while the investor benefits from a low-interest refinancing loan.
A summary of the conditions for the equity investment program can be found at
From the KfW Bank homepage, you can quickly and easily access an overview of the various promotional programs.
Address and contact details:
KfW Banking Group
Palmengartenstrasse 5-9
60325 Frankfurt am Main
Phone: 069 74 31 - 0
Fax: 069 74 31 - 29 44
A general contact form is available at the following address:
Contact KfW (opens in a new tab)
The service number for the subject area of companies is available free of charge from Monday to Friday from 08.00 to 18.00: 0800/5399 001
The employees of our financing partners are available to you as personal contacts. These include commercial banks, savings banks, cooperative banks, direct banks, building societies, insurance companies and financial brokers.