Guarantee; application for assumption

In order to obtain bank loans, it is generally necessary to provide sufficient bank collateral. Small and medium-sized enterprises in particular often do not have such collateral. They therefore have difficulty in covering their capital requirements. Guarantees from LfA-Förderbank Bayern and Bürgschaftsbank Bayern are also intended to enable these companies to take out loans.


Where the 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 on the intended terms due to a lack of required bank collateral.

Applications for guarantees can be submitted to a credit institution of your choice (principal bank).

For companies affected by the Corona crisis, the guarantee scheme has been significantly improved and expanded. You will find all the latest information on the websites of Bürgschaftsbank Bayern and LfA Förderbank Bayern.

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


Eligible for support are natural persons who want to establish a viable full-time and part-time business, small and medium-sized commercial enterprises, members of the liberal professions, and 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.

Status: 23.02.2022

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

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  • Online transactions, Bavaria-wide
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  • Prefillable Form, Bavaria-wide
  • Legal bases, Bavaria-wide
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  • Fees, Bavaria-wide
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