Guarantees from Bürgschaftsbank Nordrhein-Westfalen – Guarantee Without a Bank

Last updated: 14.6.2025
Guarantee

The "Guarantee Without a Bank" from Bürgschaftsbank Nordrhein-Westfalen (NRW) offers companies and start-ups in NRW the opportunity to secure investment and financing projects directly with a guarantee before negotiating with their house bank. This program facilitates access to loans by providing default guarantees for projects such as business start-ups, business expansions, or working capital.

Who is funded?

The "Guarantee Without a Bank" by Bürgschaftsbank Nordrhein-Westfalen targets a wide range of applicants based in North Rhine-Westphalia or wishing to implement projects there. The program aims to facilitate access to financing for business ventures, thereby strengthening the economy, especially small and medium-sized enterprises and start-ups.

What is funded?

This section details the types of projects and activities eligible under the "Guarantee Without a Bank" program, describes the areas of application, the types of costs covered, and the typical development stages of the supported initiatives.

Type and Scope of Funding

This section provides a detailed overview of the financial support offered by the "Guarantee Without a Bank" program, including the type of financial instrument, the maximum funding amount, and the typical project duration.

Conditions and Requirements

To avail of the "Guarantee Without a Bank," applicants must meet various prerequisites and comply with certain obligations during the term of the guaranteed loan. These conditions ensure that the funding is used appropriately and that the Bürgschaftsbank and the house bank are informed about the borrower's economic circumstances.

Application Procedure

This section guides potential applicants through the process of applying for the "Guarantee Without a Bank" program, describing the submission steps, required documents, and the channels through which applications are evaluated and decisions communicated.

This section describes the fundamental legal and official documents that authorize, establish, and regulate the "Guarantee Without a Bank" funding program. It identifies the primary source of its legitimacy and all essential superordinate regulations that shape its operation.

Similar Programs

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Funding Overview

Funding Status

Funding Status:

Open

Maximum Amount

Maximum Amount:

€250,000

Deadline

Deadline:

always open

Open Until

Open Until:

Ongoing

Award Channel

Award Channel:

Demand Driven Scheme

Region

Region:

North Rhine-Westphalia (Germany)

Sectors

Sectors:

Agriculture and Agribusiness, Other

Beneficiaries

Beneficiaries:

Small and medium-sized enterprises, start-ups, members of liberal professions, horticultural businesses

Application Type

Application Type:

Single Applicant

Funding Stages

Funding Stages:

Market Introduction, Scaling, Infrastructure, Commercialization, Planning

Funding Provider

Program Level:

Regional

Funding Body:

Bürgschaftsbank Nordrhein-Westfalen GmbH

Managed By:

Bürgschaftsbank Nordrhein-Westfalen GmbH

Additional Partners:

Federal Government, State Government

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