Apply for a KfW start-up loan
Introduction to the KfW Start-up Loan
The KfW Start-up Loan is an essential financing instrument for start-ups, freelancers and young companies. It offers low-interest loans to support investments and running costs. The main programmes include the ERP Start-up Loan – StartGeld and the ERP Start-up Loan – Universal, each of which is tailored to the different needs of start-ups.


Requirements and application
To apply for the KfW start-up loan, the company must be no older than five years. The application is made through the house bank, which checks the loan application and forwards it to KfW. Thorough preparation is crucial, including a convincing business plan, a profitability calculation and a liquidity forecast.
Areas of application of the KfW Start-up Loan
The KfW start-up loan can be used for various purposes:

Investments
Plant, machinery, buildings, software licences and more.

Operating resources
Raw materials, consumables and supplies, personnel costs, marketing and consulting. Debt rescheduling, follow-up financing and dormant equity holdings without a connection are not eligible for funding.
Maximum loan amount and repayment terms
With the ERP Start-up Loan – StartGeld, the maximum loan amount is 125,000 euros, while the ERP Start-up Loan – Universal allows loans of up to 25 million euros. KfW assumes up to 80% of the credit risk, which facilitates access to financing. Early repayments are possible, but may incur a prepayment penalty.
Advantages of the KfW Start-up Loan
- Low-interest loans with long terms and interest-free start-up years.
- Assumption of up to 80% of the credit risk by KfW.
- Support in the safe and sustainable implementation of start-up projects.
What our customers say
99% positive Google reviews

"I had Mr Deuble at my side as a consultant and was extremely satisfied. He was always at my side with help and advice, was able to cater to my individual needs and was always flexible. I can only recommend him! I received my grant in the end without any concerns and therefore recommend him to others. Thank you very much 👍"
Mathios I.
Owner, manufacturer of
food supplements

"Absolutely professional, helpful and friendly. The content that is taught is also conveyed perfectly. Everything went to my complete satisfaction. Highly recommended"
Stefan K.
Photographer, Owner

"Mr Deuble has helped me a lot. He is very competent, friendly, always has advice and takes good care of his customers. Exemplary - I can only recommend him."
André G.
Owner, cleaning service provider

"I had the pleasure of taking part in a personal coaching session with the owner, Mr Pavel Deuble, which prepared me for my future self-employment. I would like to thank him from the bottom of my heart for this exceptional coaching. His approach and commitment far exceeded my expectations. Mr Deuble always responded to my personal needs and priorities and thanks to his flexibility we were able to get the most out of the coaching together and he continues to support me even after the coaching, which is not a matter of course and should be appreciated. I am extremely grateful to Mr Deuble and can recommend his coaching to anyone who is looking for professional support on the path to self-employment."
Melih Orhan
Accounting office

Unique service, super friendly, always available, Mr Pavel was always at our side with help and advice when we set up our business. Everything was done very professionally and seriously! I can only recommend 100%!
Alireza Dehhagi
Gastro

We can only recommend Unternehmens-Werk to others! In addition to the competent advice in every area of setting up a company, Mr Deuble always had an open ear and was always on hand with help and advice. We would like to thank him once again for his great support!
Sebastian Brück
Own Water

Very satisfied. Very good advice and assistance in drawing up the business plan.
Benni Bublak
Independent Trailrunning Media GmbH

The team at Unternehmenswerk gave me super competent advice on all my questions and supported me in drawing up my business plan and applying for a start-up grant. This was approved today! 🙂 Thank you very much for your support 🙏 You guys are great!
Teresa Bach
SEO-Agency

I got to know Unternehmens-Werk as part of a programme run by the employment agency. I immediately felt that I was in very good hands. I needed support with questions about self-employment, and my existing secondary employment was analysed in detail. I am very happy to have been put in touch with Unternehmens-Werk. Thanks to the individual coaching, I can now look to the future with confidence and face the new challenges. My special thanks go to Mr Deuble
Thomas Sperrhake
Hoof service Sperrhake

Mr Deuble was my coach when I started my own business and was always there to help and advise me with questions about taxes, financing and everything else involved. Thanks to his help and the help of his team, I now feel ready and confident to take the plunge into self-employment.

I am absolutely satisfied with the expertise, friendliness, flexibility, professionalism and patience that I received from Mr Deuble in particular. Thanks to his empathic skills, he was even able to convince me that taxes, for example, can be interesting. 🙂 All in all, absolutely recommendable.
Christina Viehmann
My cloverleaf organic shop

Pavel was my coach in the start-up seminar. As a person and coach, 5 ⭐ ⭐ ⭐ ⭐ ⭐ stars. His knowledge of founding, financing and everything to do with the authorities is super deep – he is rock solid in the subject matter.
All agreements are processed very quickly – it’s just a lot of fun working with Pavel.
He is also a very good dialogue partner and listener. I am very happy that he found a free date for our training.
Pavel, thank you 🙏 to you and your team for the great work.
Best regards from Bielefeld!
Roman Lewakow
Amazon Retailer

Absolutely professional, helpful and friendly. The content that is taught is also conveyed perfectly. Everything went to my complete satisfaction. Highly recommended.
Stefan Kunz
Photographer

Super, can only be recommended, navigates you safely through the start-up jungle
Karsten Kunde
Management Consultant

Super friendly and competent advice, highly recommended - especially Mr Deuble!!! 👌🏽 Best regards
Schönen Gruß
Benjamin Gergin, Juwelier
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FAQ on the KfW Start-up Loan
Start-ups, freelancers, company successors and young companies that are no more than five years old can apply for the KfW Start-up Loan.
The application is made via the house bank. Thorough preparation, including a solid business plan, a profitability calculation and a liquidity forecast, is crucial.
Funding is available for investments in plant, machinery, buildings, software licences and operating resources. Debt rescheduling and follow-up financing are not eligible for funding.
With the ERP Start-up Loan – StartGeld up to 125,000 euros, with the ERP Start-up Loan – Universal up to 25 million euros.
Yes, but an early repayment penalty may apply.

Support from management consultants
As experienced business consultants, we support you in drawing up your business plan and preparing for the bank interview. Our expertise will increase your chances of a successful loan approval.