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Guarantees from Bürgschaftsbank Schleswig-Holstein – Express Guarantee
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Guarantee
Last updated: 14.6.2025

The Express Guarantee from Bürgschaftsbank Schleswig-Holstein offers young and established companies in Schleswig-Holstein a quick way to bridge missing loan collateral. Within 24 hours, companies can receive a guarantee commitment for investment or working capital loans up to €250,000, significantly improving their loan negotiations with their house bank. This is a targeted instrument to promote small and medium-sized enterprises.

Who is funded?

The Express Guarantee of Bürgschaftsbank Schleswig-Holstein is aimed at young and established commercial enterprises as well as start-ups that have their registered office or a business establishment in Schleswig-Holstein and meet the EU's SME definition. The aim is to strengthen small and medium-sized enterprises (SMEs) by securing loans, especially when collateral is missing or insufficient.

What is funded?

The program supports commercial enterprises in financing investments, working capital, construction projects, and real estate acquisitions by securing bank loans. The funding is open to all sectors and covers fundamental business phases.

Type and Scope of Financing

The Express Guarantee offers a deficiency and maximum amount guarantee for loans up to €250,000, securing up to 70 percent of the loan amount. The guarantee is time-limited, but a specific maximum project period is not defined.

Conditions and Requirements

The program sets specific requirements for applicants regarding their economic viability and compliance with aid rules. There are detailed obligations for borrowers and house banks, including rights to information and auditing, as well as provisions for securing loans.

Application Procedure

The application for the Express Guarantee is submitted through your house bank or another credit institution of your choice and must be submitted via an online application portal. Bürgschaftsbank guarantees a binding guarantee commitment within 24 hours, based on the creditworthiness assessment by the house bank and the compatibility of the project with the objectives of state economic promotion.

The legal basis for the Express Guarantee is formed by the "General Guarantee Provisions (ABB-Kredit) of Bürgschaftsbank Schleswig-Holstein GmbH". These provisions are embedded in the uniform ABB-Kredit of the German guarantee banks and are subject to the state aid regulations of the European Commission as well as further banking supervisory regulations.

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Funding Overview

Maximum Amount

Maximum Amount:

€250,000

Deadline

Deadline:

always open

Open Until

Open Until:

Ongoing

Award Channel

Award Channel:

Demand Driven Scheme

Region

Region:

Schleswig-Holstein (Germany)

Funding Stages

Funding Stages:

Implementation, Infrastructure

Funding Provider

Program Level: Regional

Funding Body: Bürgschaftsbank Schleswig-Holstein GmbH, Federal Government, State Government

Managed By: Bürgschaftsbank Schleswig-Holstein GmbH

Additional Partners: House banks, Credit institutions

Website: Bürgschaftsbank Schleswig-Holstein GmbH