NRW.BANK Consortium Loan for Commercial Businesses

The NRW.BANK Consortium Loan is aimed at commercial businesses with their registered office or investment location in North Rhine-Westphalia. The goal is to strengthen the economic location by supporting growth, innovation, and environmental measures, as well as other operational projects. Funding is provided in close cooperation with the companies' house banks.

The NRW.BANK Consortium Loan supports a wide range of operational projects for commercial businesses. Funding includes investments in growth, innovation, and environmental protection, as well as covering general financing needs. Specific projects such as business establishments, relocations, and business successions are supported.

The NRW.BANK Consortium Loan offers commercial businesses in North Rhine-Westphalia financial support in the form of cash or risk participations. NRW.BANK participates with up to 50 percent of the eligible expenditures, whereby its own commitment share per project must be at least EUR 1 million. The individual conditions are determined between the house bank and the ultimate borrower, without a legal entitlement to funding.

Applicants for the NRW.BANK Consortium Loan must meet certain conditions and requirements. These include the expectation of lasting economic success of the project, compliance with ESG funding requirements, and processing through a house bank as consortium leader. There are no EU state aids, as the program is competition-neutral.

The application for the NRW.BANK Consortium Loan is submitted informally and early by the house bank as consortium leader to NRW.BANK. NRW.BANK reviews the creditworthiness and risk of the project and subsequently commits to the risk participation. There is no legal entitlement to funding.

This program is based on the "NRW.BANK Consortium Loan for Commercial Businesses Information Sheet", which serves as the primary authorizing document and defines the program objectives and operational framework.