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Direct Guarantee (BoB)
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Guarantee
Last updated: 14.6.2025

The Direct Guarantee (BoB) program in Rhineland-Palatinate supports business founders who lack the necessary collateral for a bank loan. It offers a direct guarantee for investment and working capital loans to enable the financing of business start-ups, thereby strengthening the regional economy.

Who is Funded

The Direct Guarantee (BoB) program targets business founders in the commercial sector, skilled crafts, and liberal professions in Rhineland-Palatinate. It aims to replace missing or insufficient loan collateral to enable these founders access to necessary investment and working capital loans, thereby promoting the establishment of viable businesses.

What is Funded

The Direct Guarantee (BoB) program supports investment loans as well as working capital and guarantee credits for business founders. The guarantee covers capital and certain legal enforcement costs. Loans for repaying unguaranteed loans (with exceptions) and for financial restructuring are not funded.

Type and Scope of Funding

Funding is provided in the form of a direct loss and maximum amount guarantee, which can cover up to 80 percent of the loan amount, but not exceeding EUR 150,000. The guarantee terms vary depending on the purpose of the loan.

Conditions and Requirements

Applicants must meet certain legal and economic requirements to receive a guarantee, including a viable business model and the obligation to disclose economic circumstances. Special conditions apply to EU state aid rules and cooperation with the house bank.

Application Procedure

The application for the Direct Guarantee (BoB) is submitted to Bürgschaftsbank Rheinland-Palatinate GmbH, ideally with the involvement of a house bank. The procedure includes the assessment of the project and creditworthiness by the house bank and the guarantee bank, which can also submit the application digitally.

The Direct Guarantee (BoB) program is based on the General Guarantee Terms for Loans (ABB-Kredit) of German guarantee banks. It is also subject to the state aid regulations of the European Commission and banking supervisory requirements such as the Banking Act (KWG).

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Funding Overview

Maximum Amount

Maximum Amount:

€150,000

Deadline

Deadline:

Always open

Open Until

Open Until:

Ongoing

Award Channel

Award Channel:

Demand Driven Scheme

Region

Region:

Rhineland-Palatinate (Germany)

Funding Stages

Funding Stages:

Planning, Implementation

Funding Provider

Program Level: Regional

Funding Body: Bürgschaftsbank Rheinland-Palatinate GmbH, State of Rhineland-Palatinate, Federal Government

Managed By: Bürgschaftsbank Rheinland-Palatinate GmbH

Additional Partners: Credit institutions (House banks)

Website: Bürgschaftsbank Rheinland-Pfalz