Guarantees from BBB Bürgschaftsbank zu Berlin-Brandenburg – Loan

This funding program targets start-ups, small and medium-sized enterprises (SMEs) in commercial business, and members of liberal professions. The funding is geographically limited to the federal state of Berlin and aims to replace or supplement missing or insufficient loan collateral to support SME development.

The program supports a variety of projects through guarantees that serve financing purposes. This includes a broad spectrum of economic sectors and project phases, from business start-up to expansion, with certain cost categories being excluded from the guarantee.

The program offers financial support in the form of guarantees to facilitate access to credit for companies. The guarantee amount is limited to a maximum sum and covers a fixed percentage of the loan amount.

To obtain and maintain a guarantee, applicants and the principal bank must fulfill certain conditions and requirements. These include, among others, the disclosure of financial circumstances, the provision of collateral, and compliance with specific regulations to ensure the funding objectives and proper processing.

The application for a guarantee is submitted centrally via the principal bank or another chosen credit institution, which then forwards the documents to the guarantee bank. Applications are reviewed taking into account their compatibility with the objectives of state economic development.

The funding program is based on the General Guarantee Provisions for Loans (ABB), which define the legal framework for granting guarantees. These provisions form the basis for cooperation between the guarantee bank, principal bank, and borrowers, and integrate overarching legal and European legal requirements.