NBank Investment Credit

The NBank Investment Credit is aimed at small and medium-sized enterprises (SMEs) and freelancers in Lower Saxony. The program specifically supports investment projects and working capital financing, especially those related to the effects of the Ukraine war on energy, technological transformation, and supply chains. The goal is to promote sustainable economic success and balance liquidity needs.

The NBank Investment Credit offers loans for a variety of projects, including investments in Lower Saxony and working capital financing. The funding covers up to 100 percent of eligible costs and supports projects to strengthen liquidity and promote growth. However, certain projects and sectors are excluded from funding.

The NBank Investment Credit provides funding in the form of a loan. The loan amount can range between 50,000 Euro and 4 million Euro per project, with up to 100 percent of eligible costs being financed. Loan terms vary depending on the purpose and can include fixed interest periods of up to ten years.

To apply for and receive the NBank Investment Credit, certain conditions and legal requirements must be met. These include securing the loan, liability exemption for the house bank, adherence to general terms and conditions, and transparency regarding other public financial aid.

Applications for the NBank Investment Credit are not submitted directly to NBank, but exclusively through a house bank. The process begins with a concrete financing discussion with the house bank, which reviews the application and then forwards it to NBank. The application must be submitted before the start of the project.

The NBank Investment Credit is based on specific product information and is regulated by a series of general banking conditions and EU regulations. These documents establish the legal framework for the implementation of the funding program and ensure its legitimacy.