BBBwelcome guarantee for refugee and non-EU founders
BBBwelcome
Guarantee for your bank loan: up to 70% (exceptionally 80%) of the loan; fees 1.5% one-off plus 1.75% p.a.. Provided by BBB Bürgschaftsbank zu Berlin-Brandenburg (counter-guarantee from the State of Berlin).
Check if you qualify for BBBwelcome guarantee for refugee and non-EU founders
Answer a few questions about you and your project. The co-pilot opens BBBwelcome guarantee for refugee and non-EU founders for you and shows what already fits, what blocks you and what to do next.
- Concrete reasons, not a score
- Deadline and first steps
- Other programs that fit you
Key facts
- Amount
- Guarantee for your bank loan: up to 70% (exceptionally 80%) of the loan; fees 1.5% one-off plus 1.75% p.a.
- Duration
- up to 8 years (working capital) / 15 years (investments)
- Type
- Loan
- Who receives it
- Founder or team
- Equity
- Equity-free
- Repayable
- Yes
- Stages
- Pre-revenue, Revenue, Incorporated
- Solo founders
- Yes
- Full-time required
- Yes
- Company required
- No
- University link required
- No
- Application languages
- DE, EN
- Location
- Seat, branch or project in Berlin; main owner a recognised refugee/protection holder or a non-EU national
Who can apply
- Solo self-employed, freelancers and SMEs whose main shareholders are refugees or non-EU nationals in key management roles
- Refugees: recognised under asylum law or holding at least a temporary residence permit for humanitarian / international-law reasons
- Solo self-employed must earn at least 51% of income from the business (main occupation)
- Covers start-ups, working capital, equipment, takeovers, expansion; applied for with your bank or via the guarantee banks' financing portal
What usually blocks applicants
- Still need a bank or Sparkasse willing to lend
- Not for restructuring or renovation financing
- German or EU citizens are not eligible for this track
Deadline and timing
Rolling; no deadline published.
Frequently asked
How much does BBBwelcome guarantee for refugee and non-EU founders pay?
Guarantee for your bank loan: up to 70% (exceptionally 80%) of the loan; fees 1.5% one-off plus 1.75% p.a.
Who can apply for BBBwelcome guarantee for refugee and non-EU founders?
Stages: pre-revenue, revenue, incorporated. Solo founders can apply. You can apply before registering a company. Location: Seat, branch or project in Berlin; main owner a recognised refugee/protection holder or a non-EU national. The full list of conditions is under Who can apply above.
When is the BBBwelcome guarantee for refugee and non-EU founders deadline?
Rolling; no deadline published.
Where do I apply for BBBwelcome guarantee for refugee and non-EU founders?
On the official page: https://be.ermoeglicher.de. Applications are accepted in DE, EN.
Do I have to pay back BBBwelcome guarantee for refugee and non-EU founders or give up equity?
Yes, it is repayable. It takes no equity.
Can solo founders apply for BBBwelcome guarantee for refugee and non-EU founders?
Yes, solo founders can apply.
Sources and verification
Checked on 19 October 2026. Most facts read from the official source; some details need confirmation. This page is orientation, not an eligibility decision.
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