Skip to content
Unclaimed
Discovery tool, not advice. Every figure is the published rule, not a decision on your case.
Loans

ERP Start-up Loan – StartGeld

ERP-Gründerkredit – StartGeld (067)

Status

Open continuously

No deadline — apply whenever you are ready.

Always open
Amount
€200,000

Up to EUR 200,000 per project (of which up to EUR 80,000 for working capital), no minimum; 100% paid out. KfW assumes 80% of the credit risk. Terms: up to 5 years with up to 1 repayment-free year, or up to 10 years with up to 2 repayment-free years. Rate from 5.50% nominal (5.65% effective). No equity required.

Funder

KfW

public · national

Deadline: Open all year — Continuous; applications must be made before the project starts.

Your odds
Not published

This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.

Effort
major

Major bid — written case, budget, possibly partners.

Who can apply

"Existenzgründern und jungen Unternehmen" — founders, freelancers and companies less than 5 years in the market meeting the EU small-enterprise definition. Applied for through a Hausbank.

How to apply

  1. Prepare the business plan and financing plan.
  2. Approach a Hausbank or other financing partner — KfW does not lend directly.
  3. The Hausbank submits the application to KfW before the project begins.
  4. On approval, sign the loan contract with the Hausbank and draw down the funds.

What you will need

Related reading: How grant deadlines actually work · The EU SME definition (Recommendation 2003/361)

Apply on the funder's site

Source. https://www.kfw.de/PDF/Download-Center/F%C3%B6rderprogramme-(Inlandsf%C3%B6rderung)/PDF-Dokumente/6000002258_M_067_StartGeld.pdf

"bis zu 200.000 Euro Kredit ... davon bis zu 80.000 Euro für Betriebsmittel ... KfW übernimmt 80 % des Kreditrisikos ... kein Eigenkapital erforderlich"

Last checked against the official page on 5 October 2026

Source: www.kfw.de

Report an error Something wrong or out of date? Tell us.

Similar programmes

ERP Capital for Start-ups

Closed for now

KfW

ERP Promotional Loan for Start-ups and Succession (077)

Open continuously

KfW / Bürgschaftsbanken

Start-up BW Pre-Seed

Status not published

Ministerium für Wirtschaft, Arbeit und Tourismus Baden-Württemberg / L-Bank

Start-up Financing 80 (L-Bank Baden-Württemberg)

Open continuously

L-Bank / Bürgschaftsbank Baden-Württemberg

ERP Promotional Loan for SMEs (365, 366)

Open continuously

KfW

ERP Digitalisation and Innovation Loan (380/381)

Open continuously

KfW Bankengruppe

Paid, separate from Unclaimed

Want a human to review your application?

Involve Consulting can help — a paid expert-review service run by the same person behind Unclaimed, entirely separate from this free check. A flat fee, agreed up front; never a cut of what you receive.

Talk to Involve Consulting