Innovation Financing 4.0

Last updated: 14.6.2025
Loan

Innovation Financing 4.0 is a funding program by L-Bank and KfW Banking Group that provides interest-subsidized loans for digitalization and innovation projects in Baden-Württemberg. It targets commercial enterprises and self-employed professionals looking to develop new products, processes, services, or business models. The program aims to strengthen the future competitiveness of Baden-Württemberg companies.

Who is funded?

This chapter explains which companies and individuals are eligible for Innovation Financing 4.0. It details the specific applicant groups, the geographical scope of the program, and the overarching funding objectives, providing clear guidance for potential applicants.

What is funded?

This section describes the types of projects and thematic areas supported under Innovation Financing 4.0. It also clarifies eligible and excluded costs, as well as typical project development stages, to ensure transparency regarding the scope of funding.

Type and Scope of Funding

This section provides an overview of the financial support offered by Innovation Financing 4.0. It details the type of financial instruments, maximum and minimum funding amounts, financing shares, and possible project durations and disbursement modalities.

Conditions and Requirements

This section outlines the essential rules and specific requirements for applicants and funding recipients of Innovation Financing 4.0. It covers important provisions for application submission, state aid regulations, and financial and other conditions to be observed for the successful implementation of funded projects.

Application Procedure

This chapter explains the entire application process for Innovation Financing 4.0. It describes the steps from application submission through required documents to fund disbursement and proof of use.

This section highlights the legal and official documents that legitimize the Innovation Financing 4.0 funding program and regulate its implementation. It names the primary authorization documents as well as other important regulations and guidelines relevant to the program.

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Funding Overview

Funding Status

Funding Status:

Open

Maximum Amount

Maximum Amount:

25,000,000 €

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:

Information and Communication Technology, Research and Development, Other

Application Type

Application Type:

Single Applicant

Funding Stages

Funding Stages:

Experimental Development, Product Development, Process Optimization, Market Introduction, Commercialization, Planning, Implementation, Capacity Building

Funding Provider

Program Level:

Regional

Funding Body:

L-Bank, KfW Bankengruppe

Managed By:

L-Bank

Additional Partners:

Baden-Württemberg Guarantee Bank, Commercial banks

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