Hamburg-Kredit Mikro
Hamburg
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99148244017000
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Typ 2/3
Inhalt
<div lang="en-x-mtfrom-de">Apply for loans for investments and working capital</div>
Begriffe im Kontext
<div lang="en-x-mtfrom-de">Business start-up</div> (Synonym), <div lang="en-x-mtfrom-de">microcredit</div> (Synonym), <div lang="en-x-mtfrom-de">microfinance</div> (Synonym), <div lang="en-x-mtfrom-de">Pre-financing of existing orders</div> (Synonym), <div lang="en-x-mtfrom-de">growth financing</div> (Synonym), <div lang="en-x-mtfrom-de">extension</div> (Synonym), <div lang="en-x-mtfrom-de">takeover</div> (Synonym), <div lang="en-x-mtfrom-de">fortress of existence</div> (Synonym), <div lang="en-x-mtfrom-de">operating resources</div> (Synonym), <div lang="en-x-mtfrom-de">investments</div> (Synonym)
Fachlich freigegeben am
17.01.2023
Fachlich freigegeben durch
nicht vorhanden
Designation: Funding guidelines for granting a loan for small businesses (KU), the self-employed and freelancers
URL: https://www.ifbhh.de/api/services/document/2936
URL: https://www.ifbhh.de/api/services/document/2936
The funding program aims to cover the liquidity needs of companies eligible to apply with small-volume loans/microloans.
The Hamburg Investment and Development Bank provides a small-volume loan/micro-loan for investments and working capital to small companies, the self-employed and members of the liberal professions.
Up to 100 percent of the eligible investment and operating costs can be financed with these loans. The amount of funding depends on the number of financial years and applies in particular to business start-ups and consolidations, business takeovers, expansions, growth financing, investments, working capital and pre-financing of specific orders.
Up to 100 percent of the eligible investment and operating costs can be financed with these loans. The amount of funding depends on the number of financial years and applies in particular to business start-ups and consolidations, business takeovers, expansions, growth financing, investments, working capital and pre-financing of specific orders.
- Copy of the extract from the register or copy of the business registration or proof of freelance work in a suitable form
- power of attorney for the authorized representative, if applicable
- de minimis declaration
- SME Statement
- Annex I (self-assessment / planning figures) to the Hamburg credit micro application
- Concept/business plan (please upload as a complete document)
- Questionnaire for natural persons or legal entities
- Schufa statement
- Schufa information/Crefo information from the applicant, as well as the guarantor
- Letter of confirmation from a credit institution that the financing of the proposed project will not be accompanied
- Further attachments to the application (please upload as a complete document)
- Identity card or passport (copy)
- Small companies, the self-employed and members of the liberal professions are eligible to apply.
- If your company employs fewer than 50 people and has annual sales or an annual balance sheet total of no more than 10 million euros.
- Main acquisition with company headquarters or at least one permanent establishment is in Hamburg.
- You may not receive any financing from a bank for your project.
Note: There are no costs, the agreed interest rate is to be paid for the loan amount.
Beginning 3 months after the date of commitment, a commitment fee of 1.80% pa will be charged for the loan that has not yet been paid out.
Beginning 3 months after the date of commitment, a commitment fee of 1.80% pa will be charged for the loan that has not yet been paid out.
- You can apply for the funding program via the e-application portal of the Hamburg Investment and Development Bank
- To apply for the funding program, you have to register once and can then log in with your username.
- Submit the application online via the portal.
- The application must be submitted before the start of the project (e.g. first binding order, conclusion of a purchase contract, etc.).
- Get in touch with a cooperation partner:
- Chamber of Commerce
- Chamber of Crafts
- Entrepreneurs Without Borders e. V
- Working group of self-employed migrants e. V
- After a consultation with a cooperation partner, the partner submits the additional loan application to the IFB Hamburg.
- The examination takes place only after all the necessary documents have been submitted.
- After a successful examination you will receive a permit.
- After receiving the permit, you can start with your project.
Remark for further information on the processing time:
There is no statutory processing period.
There is no statutory processing period.
There are the following hints:
Conditions:
Conditions:
- The interest on the loan is currently 2.95% pa, is fixed for the term of the loan and also applies to the grace period.
- The loan amount is paid out 100% and in one lump sum.
- Beginning 3 months after the date of commitment, a commitment fee of 1.80% pa will be charged for the loan that has not yet been paid out.
- A processing fee is not charged.
- Notarial acknowledgment of debt by the applicant (in the case of GbR also by the co-obligors).
- In the case of legal entities, the shareholders provide a guarantee.
- Funding of the same project with EU funds from other federal and state programs is excluded.
- Chamber of Commerce (including for members of the IHK)
- Chamber of Crafts (including for companies with affiliation to crafts)
- Entrepreneurs Without Borders e. V
- Working group of self-employed migrants e. V
- Hamburg loan micro
- The aim of the loan is to support companies that are eligible to apply by providing the loan funds and thus enabling investments and working capital financing for the Hamburg location.
- Funding requirements:
- small businesses,
- self-employed and,
- Members of the liberal professions who have fewer than 50 employees and annual sales or an annual balance sheet total of no more than 10 million euros, with their company headquarters or significant permanent establishments in Hamburg.
- Applicants must submit a letter of confirmation from a bank stating that the financing project cannot be supported
- Small companies up to the 5th fiscal year:
€5,000-€25,000 - Small companies from the 5th financial year:
€5,000 - €40,000 - Application online
- Responsible: Hamburg Investment and Development Bank