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ERP Promotional Loan for SMEs without Liability Exemption
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Loan
Last updated: 16.6.2025

The ERP Promotional Loan for SMEs from KfW Banking Group offers commercial enterprises, sole proprietors, and freelancers the opportunity to finance investments and running costs both domestically and abroad. With loans of up to 25 million Euros, up to 100 percent of eligible costs can be covered to support start-ups, business successions, and other projects.

Who is funded?

The ERP Promotional Loan for SMEs targets a wide range of companies and self-employed individuals who have investment or working capital needs domestically or for German participations abroad. The program aims to facilitate the financing of start-ups, business successions, and general projects, thereby strengthening the commercial economy.

What is funded?

The ERP Promotional Loan for SMEs offers comprehensive financing options for a variety of investments and working capital in commercial enterprises. The program covers both tangible and intangible assets and supports companies at various stages of development, from start-up to business succession.

Type and Scope of Funding

The program offers financial support in the form of a loan and enables full financing of eligible costs up to a maximum of 25 million Euros per project.

Conditions and Requirements

To be eligible, projects under the ERP Promotional Loan for SMEs must meet certain legal and environmental requirements. There are specific conditions for compatibility with KfW guidelines and no direct consortium obligations.

Application Procedure

The application for the ERP Promotional Loan for SMEs is straightforward and submitted through the applicant's house bank, which then forwards it to the KfW Banking Group. Direct application to KfW is not foreseen.

The legal basis for the ERP Promotional Loan for SMEs is a specific leaflet from the KfW Banking Group, which defines the funding conditions and modalities.

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Funding Overview

Maximum Amount

Maximum Amount:

€25,000,000

Deadline

Deadline:

always open

Open Until

Open Until:

Ongoing

Award Channel

Award Channel:

Individual Aid

Region

Region:

Germany

Sectors

Sectors:

Other

Funding Stages

Funding Stages:

Planning, Implementation, Commercialization

Funding Provider

Program Level: National

Funding Body: Federal Ministry for Economic Affairs and Climate Action (BMWK)

Managed By: KfW Banking Group

Website: KfW Bankengruppe