Guarantee; application for assumption

Sufficient bank collateral is generally required to obtain bank loans. SMEs in particular often do not have such collateral available, so they have difficulty covering their capital requirements. Guarantees are intended to make borrowing possible.


Insofar as Bürgschaftsbank Bayern is not responsible (for the trade, craft, hotel and catering and gardening/landscaping sectors up to a certain maximum amount), LfA Förderbank Bayern provides guarantees to credit institutions and insurance companies (house bank principle) for loans to companies that cannot otherwise be granted or cannot be granted at the intended conditions due to a lack of required bank collateral.

Applications for the provision of a guarantee can be submitted to a credit institution of your choice (house bank).

Further information, including the required documents and forms, can be obtained from LfA Förderbank Bayern and Bürgschaftsbank Bayern.


Eligible are natural persons who want to establish a viable full- and part-time business, small and medium-sized enterprises in the commercial sector, members of the liberal professions as well as production and sales cooperatives in Bavaria.

The following are essentially guaranteed

  • Loans to finance investments,
  • loans to finance the takeover of an existing business
  • in special cases, also working capital loans, especially in connection with investments,
  • guarantee credits, in particular for collateral required in connection with the takeover and processing of orders,
  • loans for consolidation measures with the exception of the rescheduling of existing bank liabilities.


Investment projects can only be guaranteed if the project has not yet been started at the time of application. Subsequent guaranteeing of loans that have already been granted is not possible.


Responsible for editing:Bayerisches Staatsministerium für Wirtschaft, Landesentwicklung und Energie

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