Tech companies qualify for business loans

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Funding offers from the ERP special fund

The ERP start-up loan and ERP capital for start-up programs offer a tailor-made set of debt capital instruments that provide start-ups and young companies with financial assistance for start-ups, initial growth and corporate succession.

With the ERP start-up loan, the BMWi supports commercial and freelance business start-ups, start-ups and young companies up to three or five years after starting business with low-interest loans from the ERP special fund. The ERP start-up loan consists of two program parts. With the "ERP start-up loan - StartGeld", small-volume start-ups with external financing requirements of a maximum of 100,000 euros are promoted. The "ERP-Gründerkredit - Universell" is aimed at larger start-up projects with a maximum loan amount of 25 million euros. Learn more.

With the funding program "ERP capital for start-ups", the BMWi offers start-ups, start-ups and young companies up to three years after starting business with equity-like funds in the form of long-term subordinated loans from the ERP special fund. Learn more.

KfW Capital

KfWCapital has been investing in German and European venture capital and venture debt funds since October 2018. The goal: Young, innovative, fast-growing technology companies in Germany in the start-up and growth phase will have better access to venture capital through financially strong funds. With the support of the ERP special fund, the previous investment volume of the Kreditanstalt für Wiederaufbau (KfW) will be increased to an average of 200 million euros per year by 2020. KfWCapital is a subsidiary of KfW Bankengruppe and is a joint initiative of the BMWi, the Federal Ministry of Finance (BMF) and KfW. Find out more at


Small and medium-sized businesses usually rely on bank loan financing. In return, the banks demand the usual bank collateral, which medium-sized companies often do not have sufficient. Here, guarantees from the federal government, the federal states and the guarantee banks supported by the federal government and the federal states represent an effective aid to remedy a lack of collateral in an otherwise viable project. Learn more.

Business start-ups from science (EXIST)

Universities and research institutions are one of the most important sources of new technologies, innovative products and services. The EXIST program therefore offers a wide range of help for founders in close cooperation with universities.

With the "EXIST" program, the Federal Government has been promoting measures to anchor a culture of entrepreneurial independence and to strengthen the entrepreneurial spirit at universities and non-university research institutions since 1998. The aim is to sensitize, motivate and qualify students, graduates and scientists for start-ups and to provide initial funding for the seed or start-up phase.

The grant funding from the EXIST program is part of the "high-tech strategy" of the BMWi and consists of the three program pillars "EXIST start-up culture", "EXIST research transfer" and "EXIST start-up grant". With the model project "EXIST Start-up Germany", the program was also opened to interested parties from abroad. Find out more at

INVEST - venture capital grant

With "INVEST - grant for venture capital" young innovative companies are supported in their search for an investor. Business angels receive 20 percent of their investment tax-free if they invest at least 10,000 euros in start-ups. This reduces their risk if they invest in bold ideas. INVEST improves the chances of finding a private investor for innovative companies. Everyone benefits from state funding. Tailored to the target group, INVEST can do even better justice to the special features of the private venture capital market in Germany. Find out more .

High-tech start-up fund

With the High-Tech Gründerfonds, the BMWi supports capital-intensive technology start-ups. Innovative and technology-oriented start-ups are usually very complex and capital-intensive. They are also associated with particularly high market, management and technical risks. Young technology companies and start-ups therefore often have financing difficulties. With the High-Tech Gründerfonds, an instrument was created that invests risk capital in newly founded German technology companies and thus helps to close the financing gap that exists in this early-stage segment. Learn more.

In addition, there are other instruments such as the for innovation, growth and venture capital financing ERP / EIF fund of funds, the European Angels Fund, the restarted coparion fund, the ERP / EIF mezzanine fund of funds for Germany, the ERP / EIF growth facility and the ERP VC fund investments to disposal. These instruments are presented in the chapter “Financing innovations”.


The Mikromezzaninfonds-Deutschland aims to strengthen the equity base and in this way opens up new financing channels for small and newly founded companies.

Insufficient equity is often an obstacle for very small companies and company founders in accessing loan finance. In order to open up better financing opportunities for such companies and to increase their risk-bearing capacity, the Federal Ministry for Economic Affairs and Energy launched the Mikromezzaninfonds-Deutschland in 2013, which reached a total volume of 75 million euros at the end of 2015 (Fund I). A further 153 million euros are available for the funding period 2014 to 2020 (Fund II). The instrument, co-financed by the ESF (European Social Fund), provides companies with equity capital of up to 50,000 euros over a period of 10 years, and for special target groups even up to 150,000 euros. Learn more.

Microcredit Fund Germany

The Microcredit Fund Germany is an established instrument for granting microcredits in order to meet the financing needs of small businesses that would otherwise have no access to credit financing. Target groups are small and young companies, founders and creative self-employed. The total credit volume must not exceed 20,000 euros. Learn more.