Guarantee without a bank (Saxony)
Bürgschaft ohne Bank (BoB, Bürgschaftsbank Sachsen)
Guarantee of up to 80% of a loan, max EUR 160,000, promised before you look for a bank; 1% one-off fee and 1.1-1.5% a year. Provided by Bürgschaftsbank Sachsen.
Key facts
- Amount
- Guarantee of up to 80% of a loan, max EUR 160,000, promised before you look for a bank; 1% one-off fee and 1.1-1.5% a year
- Duration
- up to 15 years
- Type
- Loan
- Who receives it
- Founder or team
- Equity
- Conditional
- Repayable
- Yes
- Stages
- Pre-revenue, Revenue, Incorporated
- Solo founders
- Yes
- Full-time required
- Unclear
- Company required
- Unclear
- University link required
- No
- Application languages
- DE
- Location
- Investment in Saxony
Who can apply
- Founders and existing firms, including freelancers (freie Berufe)
- For equipment, vehicles, inventory, working capital and rent deposits
- Apply to the Bürgschaftsbank first, then take the promise to a lender
What usually blocks applicants
- You still need a lender for the loan itself
Deadline and timing
Rolling.
Frequently asked
How much does Guarantee without a bank (Saxony) pay?
Guarantee of up to 80% of a loan, max EUR 160,000, promised before you look for a bank; 1% one-off fee and 1.1-1.5% a year
Who can apply for Guarantee without a bank (Saxony)?
Founders and existing firms, including freelancers (freie Berufe) For equipment, vehicles, inventory, working capital and rent deposits Apply to the Bürgschaftsbank first, then take the promise to a lender
When is the Guarantee without a bank (Saxony) deadline?
Rolling.
Where do I apply for Guarantee without a bank (Saxony)?
On the official page: https://sn.ermoeglicher.de/de/ueber-uns/service-downloads/buergschaftsprogramme/b%C3%BCrgschaft-ohne-bank-bob/. Applications are accepted in DE.
Do I have to pay back Guarantee without a bank (Saxony) or give up equity?
Yes, it is repayable. Equity terms depend on the case; check the official conditions.
Can solo founders apply for Guarantee without a bank (Saxony)?
Yes, solo founders can apply.
Sources and verification
Checked on 9 October 2026. Facts read directly from the official source. This page is orientation, not an eligibility decision.
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