Investment Loan Direct for Municipalities

Last updated: 13.6.2025
Loan

The Investment Loan Direct for Municipalities from L-Bank, in cooperation with KfW, offers low-interest, long-term loans for municipalities in Baden-Württemberg. The program enables the financing of various infrastructure projects, from wastewater disposal to schools and hospitals. It is characterized by high financing shares and flexible terms.

Who is funded?

This program supports municipal corporations, municipal enterprises, and special purpose associations in Baden-Württemberg in financing infrastructure projects. The aim is to promote investments in municipal infrastructure to strengthen the quality of life and development of the region.

What is funded?

The program supports a wide range of investments in municipal infrastructure. This includes projects in areas such as wastewater disposal, education, health, energy efficiency, and transport, as well as associated eligible costs such as land, buildings, and equipment.

Type and Extent of Funding

Funding is provided in the form of a low-interest loan with flexible financing shares depending on the loan amount and various term options. Interest rates are fixed for ten years, and the loan generally does not require collateral.

Conditions and Requirements

Specific legal and financial conditions apply to the application, including compliance with EU state aid law and KfW sector guidelines. Budget planning and possible combinations with other funding are also regulated.

Application Process

The application is submitted directly to L-Bank with specific documents. It is important to submit the application in good time before the start of the measure and to submit the proof of use within the deadline.

The "Investment Loan Direct for Municipalities" program is based on the L-Bank and KfW Group factsheet and is regulated by EU state aid law and the KfW Group's Paris-aligned sector guidelines. Key documents can be viewed on the websites of L-Bank and KfW.

Similar Programs

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Funding Overview

Funding Status

Funding Status:

Open

Maximum Amount

Maximum Amount:

up to 100% of eligible investment costs

Open Until

Open Until:

Ongoing

Award Channel

Award Channel:

Individual Aid

Region

Region:

Baden-Württemberg

Sectors

Sectors:

Water and Waste Management, Construction and Building Materials, Education and Vocational Training, Healthcare, Energy Production and Supply, Environmental and Climate Protection, Service Sector, Tourism, Transportation and Logistics, Other

Beneficiaries

Beneficiaries:

Infrastructure, Mobility

Application Type

Application Type:

Single Applicant

Funding Stages

Funding Stages:

Implementation, Infrastructure

Funding Provider

Program Level:

Regional

Funding Body:

L-Bank, KfW

Managed By:

L-Bank

Additional Partners:

KfW

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