Commercial enterprises; application for a state guarantee

The Free State of Bavaria provides state guarantees for loans to finance projects in the commercial sector.



Main requirements:

  • Own funds and existing collateral are to be given priority. Shareholders are to assume joint liability.
  • The guarantee period may not exceed 15 years.
  • Financing of the project and the overall financing of the company must be secured.
  • In addition, EU state aid legislation must be complied with.


  • You can submit the application for a state guarantee to a credit institution of your choice (house bank).
  • If your principal bank is willing to grant the loan upon assumption of a state guarantee, it will forward the application to LfA Förderbank Bayern for review and processing.
  • The State Ministry of Finance and Home Affairs decides on the application after approval by the state government.


  • The application must be submitted before the start of the project.
  • A state guarantee cannot be granted retrospectively for loans that have already been extended.


    • one-time application fee: 0.5 % of the guarantee amount, minimum EUR 250.00, maximum EUR 25,000.00
    • Annual guarantee fee: at least 0.5 % of the guarantee amount


Responsible for editing:Bayerisches Staatsministerium der Finanzen und für Heimat

Contains machine translated content. Show the original content

  • Online transactions, Bavaria-wide
  • Online transactions, locally limited
  • Form, Bavaria-wide
  • Form, locally limited
  • Prefillable Form, Bavaria-wide
  • Legal bases, Bavaria-wide
  • Legal bases, locally limited
  • Fees, Bavaria-wide
  • Fees, locally limited
Bild zur Leistungsbeschreibung

Responsible for you

If you select a location under "Localization" the contact details of the responsible authority and, if applicable, locally valid information will be displayed.