- no location -
Select your location for location specific information:
Commercial enterprises; application for a state guarantee
The Free State of Bavaria provides state guarantees for loans to finance projects in the commercial sector.
Responsible for you
For contact details of the responsible authoritiy and local valid information select under "Select location" a location.
Procedure details
Description
Purpose
Within the framework of economic development, projects in Bavaria are supported if their implementation is of economic interest to the Free State of Bavaria.
Object
The state guarantee serves as a substitute for missing bank securities without which the loan could not otherwise be granted.
Beneficiaries
Eligible applicants are companies in the commercial sector (including members of the liberal professions).
Eligible projects
Loans to finance investments (including the takeover of a business), exceptionally working capital loans (especially in connection with investments) and guarantee loans (especially in connection with orders) are guaranteed.
Type and amount
Depending on the individual case, the deficiency guarantee is limited to an appropriate portion of the loan (maximum 80%). State guarantees are possible for a guarantee amount of more than EUR 5,000,000.00. Below this amount, guarantees from LfA Förderbank Bayern or Bürgschaftsbank Bayern GmbH are available (see "Related topics" and "Further links"). .
Requirements
Key requirements:
- Own funds and existing collateral must be given priority. Shareholders should assume joint liability.
- The maximum term of the guarantee is 15 years.
- The through-financing of the project and the overall financing of the company must be secured.
- In addition, EU state aid law must be complied with.
Proceedings
- You can apply for a state guarantee at a bank of your choice (house bank).
- If your bank is prepared to grant the loan with a state guarantee, it will forward the application to the LfA Förderbank Bayern for examination and processing.
- The State Ministry of Finance and Home Affairs will decide on the application after approval by the state government.
Fees
- One-off application fee: 0.5% of the guarantee amount, minimum EUR 250.00, maximum EUR 50,000.00
- Annual guarantee fee: at least 0.5% of the guarantee amount
Deadlines
- The application must be submitted before the start of the project.
- A state guarantee cannot be granted retrospectively for loans that have already been granted.
Legal bases
-
Gesetz über die Übernahme von Staatsbürgschaften und Garantien des Freistaates Bayern (BÜG)BayRS IV S. 695; BayRS 66-1-F
-
Bürgschaftsrichtlinie gewerbliche Wirtschaft – BürggWRRichtlinie für die Übernahme von Staatsbürgschaften im Bereich der gewerblichen Wirtschaft (Bürgschaftsrichtlinie gewerbliche Wirtschaft – BürggWR)
Related issues
-
Guarantee; application for assumption
Sufficient bank collateral is generally required to take out bank loans. SMEs in particular often do not have such collateral available, making it difficult for them to cover their capital requirements. Guarantees are intended to make borrowing possible.
-
Economic development; information on municipal funding opportunities
Districts and municipalities can support investment projects by foreign or domestic investors in the region.
Status: 24.11.2025
Editorially responsible for prodecure description: Bayerisches Staatsministerium der Finanzen und für Heimat
Contains machine translated content.
Show the original content