ERP Start-up Loan – StartGeld
ERP-Gründerkredit – StartGeld (067)
Open continuously
No deadline — apply whenever you are ready.
"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.
KfW
public · national
Deadline: rolling — Continuous; applications must be made before the project starts.
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.
Major bid — written case, budget, possibly partners.
Who can apply
- Under 5 years old
- Up to 50 employees
- Turnover up to 10,000,000
- small enterprises
- Stage: idea, pre_seed, seed
- Locally registered entity required
"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
- Prepare the business plan and financing plan.
- Approach a Hausbank or other financing partner — KfW does not lend directly.
- The Hausbank submits the application to KfW before the project begins.
- On approval, sign the loan contract with the Hausbank and draw down the funds.
What you will need
- Business plan
- Investment and financing plan
- Profitability forecast (Rentabilitätsvorschau) and liquidity plan
Source. https://www.kfw.de/PDF/Download-Center/F%C3%B6rderprogramme-(Inlandsf%C3%B6rderung)/PDF-Dokumente/6000002258_M_067_StartGeld.pdf — checked 2026-08-14
"maximal 200.000 Euro pro Vorhaben […] maximal 80.000 Euro für Betriebsmittelfinanzierungen […] 80-prozentige Haftungsfreistellung"