'Liquiditätshilfen BERLIN' at a glance
Loans to co-finance the restructuring of companies in difficulty
Up to EUR 1m in co-operation with other financial backers
Presentation of a restructuring concept required
Term of up to 5 years
'Liquiditätshilfen BERLIN' in detail
Small and medium-sized enterprises (SMEs) as defined by the EU with an operating facility in Berlin, whose start-up phase (three years) is over, provided they do not fall under the exclusions from funding for certain industries/sectors of the economy (german only).
- Liquidity of a company
- Co-financing of non-cash expenditure in conjunction with the restructuring and adaptation of your company to the market
- Rescue and restructuring loans are granted
- The loan amount typically totals up to EUR 1m
- Short to medium-term loans (usually 5 years)
- Up to 2 years redemption free
- The interest rate is based on the capital market interest rate
- Investitionsbank Berlin charges refinancing interest plus a margin
- Co-financing required
- In order to apply, submit the completed application form along with the supporting documents (see checklist (german only)). You can apply online using the application process provided on IBB’s customer portal. Alternatively, you can download your completed application form and send this by post or submit it in person.
Please contact us at the earliest possible date. Our Customer Centre will be pleased to answer detailed questions regarding the programme and assist you with your application.
Please note: Applications are accepted in German only.
Funds to secure liquidity can only be granted if
- a viable rescue concept is submitted showing that the company has the ability to achieve lasting returns,
- aspects of labour-market and development policy justify a positive decision,
- other financing parties (e.g. the shareholders or a commercial bank) bear a much higher share in the financing required, and
- non-scheduled repayments of loans with the applicant’s bank are not made using funds under this programme.
A contribution to the required co-financing could, for example, be the sale of non-operating fixed assets or the contribution of the applicant's own financial resources. New loans, interest reductions or repayment deferrals with your principal bank are further examples of possible co-financing, but also deferral agreements with your suppliers or deferrals of other expense items (e.g. personnel, rent, etc.). It is important that the contributions reduce your financing needs.
No. Funds under the 'Liquiditätshilfen BERLIN' programme may only be used additionally after all other available funds have been exhausted (subsidiarity principle).
No. Our bank has other programmes available to finance investments in the growth of your company or to increase capacity. The 'Liquiditätshilfen BERLIN' programme is designed to provide short-term liquidity to companies, for instance, to settle liabilities to suppliers, personnel expenses and rent.
Information on support programmes for investments can be found in the following sections:
No. Companies can only apply for liquidity assistance during the first three years after being established if they fulfil the conditions for opening insolvency proceedings at the request of their creditors.