Are you looking for low-interest and flexible capital to finance the costs and expenses of your innovations and would like to make use of public funding for this? Innovation financing or an innovation loan covers the financing requirements for investments and working capital.
Various programmes at state and federal level promote innovation and digitalization projects as well as innovative business models in Germany.
At the same time, the various innovation financing programs represent an intelligent instrument for flexibly securing favourable interest conditions. Liquidity from innovation financing can be made available for up to 24 months without a commitment fee.
Funding is provided in the form of low-interest loans. The loan conditions are subsidized by EU grants and are comparatively inexpensive even with rising market interest rates.
Innovation financing supports investment and innovation costs as well as operating resources in connection with innovation and digitalization projects. The loan is disbursed at 100%. The funds from innovation financing are disbursed via the bank, which also forwards the application to the development bank (e.g. KfW, L-Bank, LfA).
Depending on the funding program, the maximum loan amount is up to EUR 25 million per project.
Applicant SMEs in Baden-Württemberg and Bavaria can benefit from additional conditional advantages, such as a repayment subsidy of up to 2% of the gross loan amount.
In some programs, it is also possible to apply for liability exemptions or subordinated funds.
In particular, small and medium-sized enterprises (SMEs) in the commercial sector are eligible to apply.
Businesses, freelancers or start-up companies based in Germany as well as subsidiaries, branch offices, permanent establishments or branches of foreign companies in Germany.
Larger companies can also benefit from innovation financing. The prerequisite for this is that the company is majority privately owned and has an annual turnover (group turnover) of no more than € 500 million.
It is possible to combine innovation funding with other funding programs, provided that this does not result in overfunding or double funding.
We will be happy to advise you on an optimal funding strategy and the possible combinations of funding.
If we have aroused your interest, we would be delighted to welcome you as our guest.
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