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ELR-Kombi Loan
Open

Loan
Last updated: 15.6.2025

The ELR-Kombi Loan from L-Bank, in cooperation with KfW, supports companies in Baden-Württemberg that have already received a grant from the Rural Development Program (ELR). It offers subsidized loan financing for the remaining investment needs. This program aims to strengthen decentralized economic structures and secure sustainable jobs as well as local basic services in rural areas.

Who is funded: Target groups and geographical reach of the ELR-Kombi Loan

The ELR-Kombi Loan is aimed at small and medium-sized enterprises (SMEs) and freelancers in Baden-Württemberg who have already received funding from the Rural Development Program (ELR). It aims to strengthen the economic structure in rural areas, secure jobs, and ensure basic services.

What is funded: Project types and eligible costs

The ELR-Kombi Loan finances specific investment projects in connection with ELR grants, including the purchase of land and buildings, construction and modernization measures, and the acquisition of machinery, operating equipment, working capital, and warehouses. Certain project types and costs are excluded from funding.

Type and scope of financing: Loan conditions and amounts

The ELR-Kombi Loan is provided as a subsidized loan and, together with the ELR grant, enables financing of up to 100% of eligible costs, up to a maximum amount of 5 million Euros. Various repayment models with flexible repayment periods are available.

Conditions and requirements: Funding guidelines and aid rules

Specific conditions apply to the ELR-Kombi Loan regarding application, project start, and project implementation. Important regulations concern EU aid under GBER and De minimis, compliance with German environmental and social standards, and the possibility of applying for guarantees in case of missing collateral.

Application process: Steps to funding

The application process for the ELR-Kombi Loan is carried out through the local bank procedure. Companies submit their application to their local bank, which forwards it to L-Bank. The local bank is subsequently also responsible for fund disbursements and the verification of the proof of use.

The legal basis of the ELR-Kombi Loan is primarily a specific information sheet from L-Bank. In addition, important EU state aid regulations such as the General Block Exemption Regulation (GBER) and the General De minimis Regulation are crucial for program design and implementation.

#ELR-Kombi Loan#L-Bank#Investment loan#Baden-Württemberg#SME funding#Business financing#Rural areas#ELR grant#Subsidized loan#KfW#Start-ups#Working capital#Construction measures#Guarantee bank#Basic services#Jobs#Regional funding#Commercial projects

Funding Overview

Maximum Amount

Maximum Amount:

5.000.000 €

Deadline

Deadline:

always open

Open Until

Open Until:

30.06.2027

Award Channel

Award Channel:

Demand Driven Scheme

Region

Region:

Baden-Württemberg (Germany)

Sectors

Sectors:

Other

Beneficiaries

Beneficiaries:

Commercial enterprises, freelancers, SMEs

Funding Stages

Funding Stages:

Implementation, Infrastructure

Funding Provider

Program Level: Regional

Funding Body: L-Bank, KfW

Managed By: L-Bank, Local banks

Additional Partners: Baden-Württemberg Guarantee Bank

Website: Landeskreditbank Baden-Württemberg – Förderbank (L-Bank)