KfW 295 — Federal Funding for Energy and Resource Efficiency in Industry (Bundesförderung Energie- und Ressourceneffizienz in der Wirtschaft)

KfW 295 — Bundesförderung Energie- und Ressourceneffizienz in der Wirtschaft is KfW's domestic financing route for companies and public bodies that want to cut energy use, replace fossil process heat, or modernize industrial systems in Germany. The program sits in KfW's energy and environment portfolio and combines a subsidized loan of up to EUR 100 million per project with a Tilgungszuschuss that depends on the module, company size, and investment type. Module 2, which covers renewable process heat such as solar thermal, heat pumps, and geothermal systems, carries the strongest support at up to 60 percent for small companies. The program is built around six funding modules: cross-cutting efficiency technologies, renewable process heat, monitoring and control systems, process optimization, climate-transition planning, and small-business electrification. Loan terms can run from two to twenty years, with up to three years of interest-only grace, and the package can cover 100 percent of eligible investment costs. That gives industrial users and public-sector operators room to finance system upgrades without relying on a single up-front capital budget. Applicants need German operations and German-language documentation, and the program is rolling rather than tied to a fixed annual call. The best fit is a project with measurable energy savings, a defined technology package, and enough implementation detail to support the repayment subsidy. Companies that can separate one module cleanly and document the technical gains usually present a stronger case than broad, loosely specified retrofit plans.

Each grant below is a distinct funding opportunity with its own eligibility, scope, and deliverables.