Select your location for location specific information:
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.
Responsible for you
LfA Förderbank Bayern
Street address
Königinstraße 17
80539 München
Postal address
Königinstraße 17
80539 München
Phone
Fax
Website
Standort im BayernAtlas
Route planner
Timetable for public transport
Procedure details
Description
If the Bürgschaftsbank Bayern is not responsible (for the retail, trade, hotel and catering and gardening/landscaping sectors up to a certain maximum amount), the LfA Förderbank Bayern provides guarantees to credit institutions and insurance companies (house bank principle) for loans to companies that cannot otherwise be granted or cannot be granted under the intended conditions due to a lack of required bank collateral.
You can apply for a guarantee at a credit institution of your choice (house bank).
Further information, including the required documents and forms, can be obtained from the LfA Förderbank Bayern and the Bürgschaftsbank Bayern.
Requirements
Natural persons who wish to set up a viable full-time or part-time business, small and medium-sized commercial enterprises, members of the liberal professions and production and sales cooperatives in Bavaria are eligible for support.
The following are essentially guaranteed
- Loans to finance investments,
- Loans to finance the takeover of an existing business
- in special cases also working capital loans, especially in connection with investments,
- Guarantee loans, in particular for necessary collateral in connection with the takeover and processing of orders,
- Loans for consolidation measures with the exception of the rescheduling of existing bank liabilities.
Deadlines
Investment projects can only be guaranteed if the project has not yet begun at the time of application. It is not possible to subsequently guarantee loans that have already been granted.
Related links
Related issues
-
Development bank; information
LfA Förderbank Bayern (LfA) is the business development bank of the Free State of Bavaria, KfW is the development bank of the Federal Government.
-
Commercial enterprises; application for a state guarantee
The Free State of Bavaria provides state guarantees for loans to finance projects in the commercial sector.
Status: 01.07.2025
Editorially responsible for prodecure description: Bayerisches Staatsministerium für Wirtschaft, Landesentwicklung und Energie
Contains machine translated content.
Show the original content