Bank loanCommerzbank
Investment loan
Individually assessed amount
12 months to 30 years
Long-term financing for machinery, vehicles, equipment or commercial property.
LOANS & FUNDING PROGRAMMES
Compare instead of guessing.
14 published products with use cases, limits and official sources. Select up to three for a side-by-side comparison.
Which could fit my business?14 products · Sources checked 21 September 2026
Bank loanCommerzbank
Business overdraft
From €5,000
Flexible credit line
Finance stock, operating costs and payment gaps through a business account.
Business lenderiwoca
Flexi-Kredit
€1,000–€500,000
Up to 60 months
For businesses trading for at least two months with annual revenue above €22,000.
Bank loanQred Bank
Business loan
€5,000–€500,000
Up to 60 months
For operating expenses and investments by established businesses.
Public loanKfW
ERP StartGeld (067)
Up to €200,000
Up to 10 years
For founders and small businesses up to five years old. Investments, acquisitions and operating costs.
Public loanKfW
ERP SME loan (365 / 366)
Up to €25 million
Investments up to 20 years
Investment, working-capital and succession funding for small and medium-sized businesses.
Public loanKfW
ERP start-up & succession loan (077)
Up to €500,000 per applicant
10 or 15 years
Start-ups, young businesses and acquisitions involving active management.
Public loanKfW
ERP digitalisation loan (511 / 512)
€7.5–€25 million cap by tier
Term depends on variant
Software, connected processes and digital business models; funding tier depends on project scope.
Public loanKfW
ERP innovation loan (513 / 514)
€7.5–€25 million cap by tier
Term depends on variant
New products, processes and advanced innovation projects.
Public loanKfW
Renewable energy – Standard (270)
Up to €150 million
2 to 30 years
Solar PV, renewable electricity and heat, networks and storage.
Public loanKfW
KfW environmental programme (240 / 241)
Up to €25 million
2 to 20 years
Investments that reduce emissions, waste or resource consumption.
Public loanKfW
Business energy efficiency (295)
Loan up to €100 million
2 to 20 years
Efficient equipment, process heat and electrification with module-dependent repayment grants.
GrantBAFA
SME business advisory grant
Regional grant up to 80%
Apply before advice begins
External advice on strategy, organisation and business management.
GrantSächsische Aufbaubank
Market launch of innovative products
New applications currently paused
Saxony regional programme
Regional support for bringing innovative products and processes to market.
Applications paused