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ERP Start-up Loan – StartGeld

ERP Start-up Loan – StartGeld (067)

Funds founders and young companies setting up or growing a business in Germany with loans up to €200,000.

OpenKfW BankengruppeGermanyDeep-tech · adjacent

KfW administers the ERP Start-up Loan – StartGeld as a subsidized loan for founders, successors and young companies in Germany. It provides up to €200,000 for investment and operating costs, including up to €80,000 for working capital. There is no minimum loan and no equity contribution is required. KfW carries 80% of the credit risk. Eligible applicants can form a business, buy a company or stake

Business formation, company purchases, ownership stakes, equipment, property, vehicles, staff, rent, marketing, advice, leasing and stock for a new or young business.

CycleiHow often this grant runs — e.g. annually, on a rolling basis, or a one-off call.Rolling
Next deadlineiThe next date applications are due. Rolling means you can apply any time.Rolling
Decision timeiTypical time from the deadline to the funder's decision.
Project durationiHow long the funded work is expected to run.
Award typeiThe form of funding — grant, equity, loan, tax credit, etc.Loan
Match fundingiThe share of project costs you must cover yourself. 0% = fully funded.
Funding pooliThe total budget available across all awards in this round.

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Last verified: 3 Aug 2026Source: www.kfw.de