Innovation Loan 4.0
The Innovation Loan 4.0 from LfA Förderbank Bayern offers low-interest loans for small and medium-sized enterprises (SMEs) and liberal professions in Bavaria. It specifically supports digitization and innovation projects, including the development of new business models. The program enables the financing of investments and working capital to strengthen the competitiveness of Bavarian businesses and drive digital transformation.
Who is funded
The Innovation Loan 4.0 targets small and medium-sized enterprises (SMEs) and members of the liberal professions with a business establishment in Bavaria. The goal is to accelerate the development and dissemination of innovative technologies and digital transformation in Bavarian medium-sized businesses and to strengthen their competitiveness.
What is funded
The Innovation Loan 4.0 promotes investments and working capital within the framework of innovation and digitalization projects, as well as for innovative companies. It supports both the development and introduction of new technologies and the comprehensive digitalization of business processes and IT security.
Type and Scope of Funding
The Innovation Loan 4.0 offers low-interest loans and repayment grants to financially support innovative projects and companies in Bavaria. The amount of funding can be up to 100 percent of the eligible costs.
Conditions and Requirements
For the use of the Innovation Loan 4.0, specific requirements apply regarding project commencement, financial security, and compliance with European state aid rules, particularly the De-minimis Regulation and the GBER.
Application Procedure
The application for the Innovation Loan 4.0 is submitted via the house bank. LfA reviews the documents and decides on the funding. The use of the funds must be proven.
Legal Basis
The Innovation Loan 4.0 is based on specific guidelines of the Bavarian State Ministry of Economic Affairs, Regional Development and Energy and is subject to both national and European state aid provisions.
Similar Programs
Funding Overview
Funding Status:
Open
Maximum Amount:
7,500,000 EUR
Allocated Budget:
The Free State of Bavaria provides funds that LfA uses to reduce interest rates on loans or provide repayment grants.
Deadline:
31.12.2025
Open Until:
31.12.2025
Award Channel:
Demand Driven Scheme
Region:
Bavaria (Germany)
Sectors:
Information and Communication Technology, Research and Development, Other
Beneficiaries:
Commercial Enterprises, Liberal Professions
Application Type:
Single Applicant
Funding Stages:
Product Development, Process Optimization, Market Introduction, Implementation, Basic Research, Applied Research, Experimental Development
Funding Provider
Program Level:
Regional
Funding Body:
Bavarian State Ministry of Economic Affairs, Regional Development and Energy
Managed By:
LfA Förderbank Bayern
Additional Partners:
KfW (refinancing via ERP Digitalization and Innovation Loan), European Investment Fund (InnovFin Guarantee), Bürgschaftsbank Bayern GmbH (guarantees)
Website: