Combined Loan for SMEs with Climate Bonus

Last updated: 15.6.2025
Loan

The Combined Loan for SMEs with Climate Bonus from L-Bank supports companies in Baden-Württemberg in investments in energy-efficient non-residential buildings. It serves as a supplement to the federal funding programs BEG and KFN and additionally offers SMEs an attractive repayment bonus. The goal is to promote climate protection and sustainable construction in SMEs.

Who is funded?

The Combined Loan for SMEs with Climate Bonus targets companies and members of liberal professions in Baden-Württemberg. It supports investments in energy-efficient non-residential buildings and significantly contributes to climate protection. The funding is linked to existing federal funding programs or the Rural Development Programme (ELR).

What is funded?

Investments in energy-efficient non-residential buildings and their technology in Baden-Württemberg are funded. This includes both new construction and renovation projects, as well as individual measures for energy optimization. The eligible costs are based on the criteria of federal funding.

Type and Extent of Funding

The Combined Loan for SMEs offers interest-subsidized loans and, for SMEs, additional repayment subsidies. The funding amount can be up to 5 million euros and cover up to 100% of the eligible costs. The program provides flexible terms and repayment modalities.

Conditions and Requirements

Applicants must meet various formal and substantive conditions, which relate to both the application process and project implementation. Particular attention is paid to EU state aid rules and accumulation regulations with other funding.

Application Process

The application for the Combined Loan for SMEs with Climate Bonus is submitted via the commercial bank and can be submitted simultaneously with the federal funding application. Specific documents are required to check eligibility and correctly process the aid.

The legal basis for the Combined Loan for SMEs with Climate Bonus is the L-Bank information sheet, supplemented by specific EU state aid regulations and the KfW disbursement conditions. These documents form the legal basis for granting and processing the funding.

Similar Programs

No similar programs found.

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Funding Overview

Funding Status

Funding Status:

Open

Maximum Amount

Maximum Amount:

5.000.000 €

Open Until

Open Until:

30.06.2027

Award Channel

Award Channel:

Demand Driven Scheme

Region

Region:

Baden-Württemberg (Germany)

Sectors

Sectors:

Environmental and Climate Protection, Other

Application Type

Application Type:

Single Applicant

Funding Stages

Funding Stages:

Implementation, Infrastructure, Process Optimization

Funding Provider

Program Level:

Regional

Funding Body:

L-Bank, Ministry for the Environment, Climate and Energy Sector Baden-Württemberg, KfW Banking Group

Managed By:

L-Bank, Commercial Banks

Additional Partners:

Bürgschaftsbank Baden-Württemberg, KfW Banking Group

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