KfW ERP Innovation Loan (ERP-Förderkredit Innovation, 513/514)

KfW Bankengruppe is Germany’s public development bank, headquartered in Frankfurt am Main and owned by the federal government and the Länder. The ERP-Förderkredit Innovation sits in KfW’s business finance line and gives the bank a way to back innovation spending with public lending rather than a grant. It is a rolling loan for German companies, with a structured ceiling of EUR 26,750,000. The product is aimed at SMEs and the Mittelstand with annual revenue up to EUR 500 million, and it remains limited to applicants registered and operating in Germany. The bank frames it as a three-tier innovation loan, which places it among KfW’s more deliberate, staged financing tools rather than a one-off subsidy. The best fit is a business that needs patient, below-market capital for development, modernisation, or technical upgrading and can work through bank-led finance. Applicants should expect credit underwriting and should treat the product as repayable lending with public support attached, not as non-dilutive funding.

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