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Loans

ERP Promotional Loan for SMEs (365, 366)

ERP-Förderkredit KMU (365, 366)

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
€25,000,000

Loans of up to EUR 25 million per project (no minimum) for investments, working capital, stock, start-ups, succession and acquisitions, up to 100% financed. Terms up to 20 years with up to 3 repayment-free years; from 4.40% interest (2026), cheaper for companies under 5 years old and in regional-aid areas. Variant 366 has KfW taking 50% of the bank's credit risk (working-capital cap EUR 7.5 million).

Funder

KfW

public · national

Deadline: Open all year — Continuous; apply through your bank before starting the project.

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

Companies with fewer than 250 employees and at most EUR 50 million annual turnover or EUR 43 million balance-sheet total. The 366 risk-sharing variant needs two full financial-year statements. Borrower remains 100% liable.

How to apply

  1. Apply at a financing partner (bank, savings bank or cooperative bank) before starting the project.
  2. After KfW approval, sign the loan contract with the bank and draw the funds.

What you will need

Related reading: How grant deadlines actually work

Apply on the funder's site

Source. https://www.kfw.de/inlandsfoerderung/Unternehmen/Gr%C3%BCndung-und-Nachfolge/F%C3%B6rderprodukte/ERP-F%C3%B6rderkredit-KMU-(365-366)/

"Mit dem ERP-Förderkredit KMU erhalten Sie bis zu 25 Mio. Euro Kredit für alles, was Sie für Ihre unternehmerische Tätigkeit benötigen."

Last checked against the official page on 5 October 2026

Source: www.kfw.de

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