aws erp-Loan (erp-Kredit)
Funds Austrian companies with soft financing for establishment, renewal, and growth-driven innovation investments.
aws erp-Loan is the concessional loan line in the aws portfolio, available to Austrian enterprises of any size for establishment, modernisation, growth, or innovation. It offers loan sizes from €10,000 to €37.5 million and can cover up to 100% of project volume. Repayment periods run from 6 to 12 years, with grace periods of 0.5 to 5 years, so the line is built for long-horizon investment rather than short working-capital gaps. Applicants do not go directly to aws. The loan is channelled through ERP trustee banks, which act as commercial-bank intermediaries and submit applications through the aws Fördermanager portal. Loans above €2 million require approval from the ERP Credit Commission, which meets quarterly. The application language is German, and the programme can also route tourism cases through ÖHT, which broadens the delivery network without changing the basic loan structure. This facility is most useful when a company needs patient debt for a bankable project and wants public financing terms rather than grant competition. The wide ticket size, full project-coverage potential, and staged repayment profile make it suitable for investment-heavy plans where the borrower can support a credit case. It is a finance tool for firms with a concrete asset or innovation plan, not a subsidy for early exploration.
Each grant below is a distinct funding opportunity with its own eligibility, scope, and deliverables.