Customer support
Business Development
- Telephone: +49 (0) 30 / 2125-4747
- Email: wirtschaft@ibb.de
Liquiditätshilfen BERLIN
Securing liquidity in the event of acute financing needs
Do you need liquidity support due to bad debt losses, temporary slumps in sales or to pre-finance orders? IBB's 'Liquiditätshilfen BERLIN' is aimed at established companies with liquidity bottlenecks. The loan enables you to find your way back to profitability and competitiveness.
'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.
-
Projects funded under this support programme can make a direct or indirect positive contribution to the following Sustainable Development Goals (SDGs):
- 1 - No poverty
- 8 - Decent work and economic growth
IBB generally excludes certain controversial business practices from funding or conducts case-by-case assessments within controversial business sectors.
You can find more detailed information on the exclusion criteria in our sustainability guidelines .
United NationsFurther information on the IBB Group’s SDGs can be found at:
Our contribution to the SDGs – IBB Group
At the same time, we are aware that our funding activities may also have unintended negative impacts on individual SDGs. These aspects are not covered in full on this page. However, we are giving careful consideration to potential conflicts of interest and are working to minimise any negative effects as far as possible.
-
-
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.
-
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.
-