Investment Loans

MICROLOANS FOR BUSINESS FOUNDERS AND YOUNG ENTREPRENEURS (ESF)

With microloans, business founders wishing to become self-employed receive start up financing for their investments and production equipment and facilities. For these purposes, business founders before they start their business operations as well as young enterprises up to five years after they started their business may apply for a low interest loan amounting to a maximum of 20,000 euros directly at Saxony’s Development Bank (SAB). A mandatory prerequisite for any such project is that the borrower of the loan has to make a co payment of at least 20 % of the total costs.

The repayment has a maximum period of 6 years; the redemption phase shall commence by no later than the second year after the loan has been disbursed.

Those loan borrowers who implement their measure in the Chemnitz and Dresden regions will receive their funding from the European Social Fund and from the Federal State of Saxony.

Detailed information (German)

GUW - GRÜNDUNGS- UND WACHSTUMSFINANZIERUNG [GUW START-UP AND GROWTH FINANCING] AS WELL AS LIQUIDITY SUPPORT MEASURES

Supported by the Federal State of Saxony, business founders are not only able to become freelancers or to establish a small and medium sized enterprise (SME), but to also compete successfully on the market, and to expand and grow with the help of such funding. Towards that end, loans for investments, production equipment and facilities as well as liquidity support can each be granted up to an amount of 2.5 million euros per loan. These loans are refinanced on the basis of the “ERP-Gründerkredit – Universell” [ERP Business Founder Loan – Universal] and “KfW-Unternehmerkredit” [KfW Entrepreneurial Loan] programs and additionally reduced with the help of the Federal State of Saxony.

Detailed information (German)

SUBORDINATED LOANS TO IMPROVE THE REGIONAL ECONOMIC STRUCTURE FOR SMALL AND MEDIUM SIZED COMMERCIAL ENTERPRISES

The Federal State of Saxony grants low interest subordinated loans for investment projects of commercial enterprises which contribute to the creation and safeguarding of permanent jobs.

Co financed are investments into the establishment or expansion of corporate sites, into the acquisition of decommissioned corporate sites, and into the diversification of production or the fundamental conversion of production processes.

These subsidies are based on the framework plan of the Joint Task “Improving Regional Economic Structures” (GRW).

Detailed information (German)

START-UP LOANS AND LINES OF CREDIT PROVIDED BY THE KFW Development Bank

The German Kreditanstalt für Wiederaufbau (KfW) is the world’s largest national development bank. The KfW promotes and supports business founders with classic promotional loans and other innovative financing options (participations and investments, subordinate capital). However, the bank does not provide the money directly; instead, the founders have to procure their loans from their principal bank. The KfW then assumes part of the loan and default risk in lieu of the principal bank.

Your Contact Person


Falk Becher
Acquisition, Inward Investment
Phone: +49 (351) 2138-151 Fax: +49 (351) 2138-109

We support Saxony.

Alexander Stamos and Christoph Braun

Founders and managing directors, stamos und braun prothesenwerk gmbh

“For our start-up, the business venue Saxony was the right choice in all respects. With pre-seed consulting and start-up coaching, we were supported already when we took our first steps into self-employment.

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