Investment and working capital

Do you want to invest in your company and are looking for the right kind of financing? You have come to the right place!

Please note: Applications are accepted in German only.

What offers are available?

Berlin Infra

Public funding for public enterprises
  • Public funding for infrastructure projects in Berlin

  • Loans of up to EUR 100 million

  • Term of up to 30 years

Berlin Innovativ

Our plus for your project financing
  • Loans to finance projects by innovative companies

  • Up to EUR 2m at a low interest rate

  • IBB provides the applicant’s bank with a 70% exemption from liability

Berlin Kapital

Sustainable business promotion through silent partnerships
  • Loans to finance growth through silent partnerships

  • Up to EUR 5m max. in co-operation with other financing partners

  • Improvement of the capital structure through subordination agreements

Berlin Kredit

Long-term financing for investment and working capital

Are you looking to invest in the future of your Berlin-based company and need a strong finance partner? When expanding your Berlin-based company, we can assist you with our low-interest 'Berlin loan from the SME fund'. Whatever you have planned for the growth phase, we can support your investments and your working capital requirements. The term of the loan is adapted to suit your needs.

Please note: Applications are accepted in German only.

Berlin Mittelstand 4.0

Programme to support innovative technology and digitalisation
  • loans for investment in growth and digitalisation measures

  • between EUR 2m and EUR 6m at low interest rates

  • IBB grants up to 60% exemption from liability for the borrower’s bank

Berlin Start

Low-interest loans for people starting up in business
  • Loans to finance start-ups and expansion for companies that are no more than 5 years old

  • Up to EUR 500,000 with a fixed interest rate

  • With an 80% guarantee by the guarantee bank


Start-up support amounting to up to EUR 50,000 for innovative companies
  • Start-up allowance

  • Company no more than 12 months in business

  • 50% support for start-up costs up to EUR 50,000 max.


Financing growth for small and medium-sized businesses in Berlin
  • Loans to finance takeovers, growth and order pre-financing as well as follow-up financing

  • Up to EUR 15m, interest at market rates

  • Loans granted in co-operation with customer’s own bank


New know-how for Berlin-based companies
  • Grants for hiring university and college graduates

  • Up to 50% of wage costs, EUR 20,000 max. for one year

  • Improving the company's competitive strength


Financing for small and medium-sized enterprises (SMEs)
  • Loans of up to EUR 250,000 to finance start-up and growth

  • Loans of up to EUR 10 million to finance company takeovers, growth and to pre-finance contracts (granted in co-operation with customer’s own bank)

  • Attractive interest rates


As part of the federal state guarantee programme, guarantees are provided to cover loans to finance projects that qualify for economic support in the case of first-time investments, appropriate financing of investments or temporary provision of funding to finance ongoing operations.

Liquiditaetshilfen BERLIN

Do you have an established company and do you currently find yourself in a tight squeeze? With 'BERLIN liquidity assistance', we can offer loans to help stabilise companies that need liquidity as a result of bad debts, a temporary decline in sales or as part of pre-financing for orders. This financing should allow them to become profitable and competitive once again.

Please note: Applications are accepted in German only.

Mikrokredit aus dem KMU-Fonds

Fast loans in the case of micro-loans of up to EUR 25,000
  • Loans to finance start-ups and growths

  • Up to EUR 25,000 with a fair interest rate

  • No customary collateral

Pro FIT - Projektfinanzierung

Grants and loans for technological innovation projects
  • Grants and loans for technological innovation projects

  • Loans of up to EUR 1m and grants of up to EUR 400,000

  • Online financing of project-related R&D expenditure

Transfer BONUS

Funding for science and research
  • Grants for contracts to scientific institutions

  • For up to 70% of costs for a maximum of 45,000 consultant days

  • Knowledge transfer with regional scientific institutions