The “KMU-Fonds” (SME Fund) provides micro loans of up to € 25,000. These micro loans are associated with a highly simplified application process and swift loan decision.
Founders of small or medium-sized commercial businesses
Starting up in business as a freelancer
Commercial company or freelance professional that have been on the market for no more than 5 years and are establishing an operating facility in Berlin
Co-financing for investments and the related working capital as part of the following measures:
Start-ups and consolidation projects
Funds for new projects
Takeovers, however, not between direct family members
Advance financing for specific projects
The project to be financed must be carried out in a Berlin-based operating facility. Debt rescheduling and/or follow-up financing of projects already underway or completed, as well as financing for business rescue projects are generally ruled out.
Micro-loans of up to €25,000
The loans are usually limited to a term of six years and generally include twelve redemption-free months.
No handling fees or standby interest charged.
Repayments are generally made on a quarterly basis.
Applications must be submitted prior to commencing the project
After IBB has received your application, you will receive confirmation of receipt and may be invited to an interview.
After the interview, the decision regarding the loan will usually be made within a few working days.
Investitionsbank Berlin - Fact sheet micro loans