Investment Loan for Municipal and Social Enterprises in Municipal and Social Infrastructure – IKU

Last updated: 14.6.2025
Loan

The KfW's 'IKU – Investment Loan for Municipal and Social Enterprises' supports investments in municipal and social infrastructure across Germany. This program enables the financing of projects such as kindergartens, schools, hospitals, and transport infrastructure, also covering working capital and necessary land. It stands out by offering up to 100% financing and flexible terms.

Who is funded?

The KfW IKU Investment Loan targets a broad range of legal entities and companies seeking to invest in municipal and social infrastructure in Germany. The goal is to strengthen and expand essential public and social services.

What is funded?

The KfW IKU Investment Loan supports a variety of projects in the municipal and social infrastructure sector, including the financing of working capital and necessary land. Refinancing, subsequent financing, and certain asset transfers are excluded.

Type and Scope of Funding

The IKU Investment Loan is provided as a loan and can amount to up to 50 million Euros, with up to 100 percent of eligible costs being financed. The loan term can be up to 30 years.

Conditions and Requirements

Certain legal and environmental requirements must be met to utilize the IKU Investment Loan. Compatibility of the project with the KfW Group's guidelines is important.

Application Procedure

The application for the IKU Investment Loan is submitted via your commercial bank or another credit institution, which then forwards the application to KfW.

The legal basis of the IKU Investment Loan is the KfW program leaflet, which contains detailed information and requirements.

Similar Programs

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Funding Overview

Funding Status

Funding Status:

Open

Maximum Amount

Maximum Amount:

€50,000,000

Deadline

Deadline:

always open

Open Until

Open Until:

Ongoing

Award Channel

Award Channel:

Indirect Management Funding

Region

Region:

Germany

Sectors

Sectors:

Education and Vocational Training, Cultural Institutions, Service Sector, Tourism, Construction and Building Materials, Healthcare, Information and Communication Technology, Water and Waste Management, Energy Production and Supply, Transportation and Logistics, Research and Development

Application Type

Application Type:

Single Applicant

Funding Stages

Funding Stages:

Implementation, Infrastructure

Funding Provider

Program Level:

National

Funding Body:

KfW Group

Managed By:

KfW Group

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