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Loans

Start-up Financing 80 (L-Bank Baden-Württemberg)

Startfinanzierung 80 (L-Bank Baden-Württemberg)

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
€200,000

Promotional loan with an 80% guarantee from the Bürgschaftsbank Baden-Württemberg: from 1 Dec 2025 up to EUR 200,000 per entrepreneur and EUR 800,000 per company; terms of 5, 8 or 10 years with 0-2 repayment-free years. Master craftspeople can add a Meistergründungsprämie repayment bonus (10% of the loan, up to EUR 10,000, as stated for 1 Mar 2022).

Funder

L-Bank / Bürgschaftsbank Baden-Württemberg

public · regional

Deadline: Open all year — Continuous; apply through your Hausbank.

Your odds
Not published

This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.

Effort
moderate

Moderate — a form and supporting documents.

Who can apply

Founders or companies active up to 5 years; freelancers or commercial businesses; EU-definition SME; founding or investing in Baden-Württemberg; financing only via a Hausbank.

How to apply

  1. Take the product information sheet to your Hausbank and apply there.
  2. The Hausbank forwards the request; the Bürgschaftsbank and L-Bank decide together.
  3. After approval the Hausbank signs the loan contract and pays out the funds.

What you will need

Related reading: How grant deadlines actually work

Apply on the funder's site

Source. https://www.l-bank.de/produkte/wirtschaftsfoerderung/startfinanzierung-80.html

"Als Existenzgründerinnen und -gründer sowie junges Unternehmen erhalten Sie für Ihre Vorhaben ein Förderdarlehen. Das Darlehen ist zusätzlich mit einer 80‑prozentigen Bürgschaft der Bürgschaftsbank Baden-Württemberg abgesichert."

Last checked against the official page on 5 October 2026

Source: www.l-bank.de

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