Commercial enterprises; application for a state guarantee

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

Description

Prerequisites

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.

Procedure

  • 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.

Deadlines

  • 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.

Fees

    • 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

Status:08.05.2023

Responsible for editing:Bayerisches Staatsministerium der Finanzen und für Heimat

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  • Prefillable Form, Bavaria-wide
  • Legal bases, Bavaria-wide
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