ERP Digitalisation and Innovation Loan
ERP-Digitalisierungs- und Innovationskredit (KfW 380, 390, 391)
Loan from EUR 25,000, up to 100% of costs (up to EUR 7.5m for innovative companies, EUR 25m per project); plus an ERP grant of 3% of the loan for digitalisation or innovation projects. Provided by KfW via your bank.
Check if you qualify for ERP Digitalisation and Innovation Loan
Answer a few questions about you and your project. The co-pilot opens ERP Digitalisation and Innovation Loan 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
- Loan from EUR 25,000, up to 100% of costs (up to EUR 7.5m for innovative companies, EUR 25m per project); plus an ERP grant of 3% of the loan for digitalisation or innovation projects
- Duration
- 2-10 years, up to 2 repayment-free years
- Type
- Loan
- Who receives it
- Company
- Equity
- Equity-free
- Repayable
- Yes
- Stages
- Revenue, Incorporated
- Solo founders
- Yes
- Full-time required
- Unclear
- Company required
- No
- University link required
- No
- Application languages
- DE
- Location
- Business in Germany
Who can apply
- Innovative commercial companies, sole traders and freelancers in Germany; profit-oriented social enterprises included
- SME (<250 staff) or mid-cap up to EUR 500m group turnover; mostly privately owned
- Finances investments and working capital for innovation or digitalisation projects within 24 months
- Apply through a bank; collateral agreed with the bank
What usually blocks applicants
- Bank credit check (no track record)
- Project under EUR 25,000
- Collateral demanded by the bank
Deadline and timing
Rolling through your bank.
Frequently asked
How much does ERP Digitalisation and Innovation Loan pay?
Loan from EUR 25,000, up to 100% of costs (up to EUR 7.5m for innovative companies, EUR 25m per project); plus an ERP grant of 3% of the loan for digitalisation or innovation projects
Who can apply for ERP Digitalisation and Innovation Loan?
Stages: revenue, incorporated. Solo founders can apply. You can apply before registering a company. Location: Business in Germany. The full list of conditions is under Who can apply above.
When is the ERP Digitalisation and Innovation Loan deadline?
Rolling through your bank.
Where do I apply for ERP Digitalisation and Innovation Loan?
On the official page: https://www.kfw.de/PDF/Download-Center/F%C3%B6rderprogramme-(Inlandsf%C3%B6rderung)/PDF-Dokumente/6000004011_M_380_390_391.pdf. Applications are accepted in DE.
Do I have to pay back ERP Digitalisation and Innovation Loan or give up equity?
Yes, it is repayable. It takes no equity.
Can solo founders apply for ERP Digitalisation and Innovation Loan?
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.
More funding in Germany (nationwide)
- KfW ERP Start-up Loan StartGeldUp to EUR 200,000 (working capital up to EUR 80,000); KfW takes 80% of the bank's risk; fixed, ERP-subsidised interest (current rates at kfw.de/konditionen)
- KfW ERP Founding LoanLoan up to EUR 500,000 for up to 35% of costs; 15 years with 5 repayment-free, or 10 with 2; a Bürgschaftsbank guarantees 100%, so no other collateral
- ERP Capital for Founders (subordinated loan)Subordinated loan up to EUR 500,000 that counts as equity; tops up own funds to 45% (50% in eastern states and Berlin) of costs; no collateral; 15 years with 7 repayment-free
- EXIST Business Start-up GrantPer person per month for 12 months: EUR 3,000 (PhD), 2,500 (graduates), 2,000 (vocational qualification), 1,000 (students); + EUR 150 per child; + materials up to EUR 10,000 (solo) or 30,000 (team); + EUR 5,000 coaching
- EXIST WomenEUR 2,000 material budget per participant plus mentoring, workshops and coaching; some participants also get a stipend of up to 3 months (EUR 1,000 to 3,000/month by qualification, + EUR 150 per child), at the host's discretion
- Start-up Subsidy (Gründungszuschuss)6 months: last ALG I amount + EUR 300/month for social insurance; then optionally 9 months EUR 300/month (separate application). Tax-free