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Unclaimed
Discovery tool, not advice. Every figure is the published rule, not a decision on your case.
Loans

ERP Start-up Loan – StartGeld

ERP-Gründerkredit – StartGeld (067)

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
€200,000

"maximal 200.000 Euro pro Vorhaben", of which "maximal 80.000 Euro für Betriebsmittelfinanzierungen". KfW gives the on-lending bank an "80-prozentige Haftungsfreistellung". Terms: up to 10 years with at most 2 repayment-free years, or up to 5 years with at most 1 repayment-free year. Merkblatt Stand: 18.06.2026.

Funder

KfW

public · national

Deadline: Open all year — Continuous; applications must be made before the project starts.

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
major

Major bid — written case, budget, possibly partners.

Who can apply

"Existenzgründern und jungen Unternehmen" — founders, freelancers and companies less than 5 years in the market meeting the EU small-enterprise definition. Applied for through a Hausbank.

How to apply

  1. Prepare the business plan and financing plan.
  2. Approach a Hausbank or other financing partner — KfW does not lend directly.
  3. The Hausbank submits the application to KfW before the project begins.
  4. On approval, sign the loan contract with the Hausbank and draw down the funds.

What you will need

Related reading: How grant deadlines actually work · The EU SME definition (Recommendation 2003/361)

Apply on the funder's site

Source. https://www.kfw.de/PDF/Download-Center/F%C3%B6rderprogramme-(Inlandsf%C3%B6rderung)/PDF-Dokumente/6000002258_M_067_StartGeld.pdf

"maximal 200.000 Euro pro Vorhaben […] maximal 80.000 Euro für Betriebsmittelfinanzierungen […] 80-prozentige Haftungsfreistellung"

Verified on 14 August 2026

Source: www.kfw.de

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