Investors can access publicly subsidized loan programs

Investors can access publicly subsidized loan programs in
Germany. Loans at concessionary interest rates are granted
by various public credit institutions, such as the Kreditanstalt
für Wiederaufbau – KfW (i.e. KfW Mittelstandsbank). A private
credit institution has to fle the application for funds. The loans
granted by KfW are generally long-term loans with maturities of
up to 20 years and often have a grace period at the beginning.

The maximum loan amount granted in the programs shown
below is between € 100,000 and € 25 million:
– KfW Startgeld: Loans for business start-ups, freelancers, and
small enterprises that have been doing business for less than
three years,
– KfW Entrepreneur Loan: Loans for business start-ups, medi-
um-sized enterprises, and freelancers investing in Germany,
– ERP Regional Promotion Program: Long-term financing of
investments for economically weak areas,
– KfW Energy Effciency Program: Low-interest financing to
help small and medium-sized enterprises to improve their
energy effciency,
– KfW Renewable Energies Program: For investors wishing to
generate energy with biomass, biogas, or geothermal power
plants.