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Berlin microloan

Mikrokredit aus dem KMU-Fonds

Up to €50,000; 6 years incl. 1 repayment-free year; quarterly repayment; 7.50% nominal (7.71% effective) for founders, 7.00% for existing firms, fixed for 6 years (Sep 2026). Provided by Investitionsbank Berlin (IBB), EFRE.

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Key facts

Amount
Up to €50,000; 6 years incl. 1 repayment-free year; quarterly repayment; 7.50% nominal (7.71% effective) for founders, 7.00% for existing firms, fixed for 6 years (Sep 2026)
Duration
Not fixed
Type
Loan
Who receives it
Founder or team
Equity
Equity-free
Repayable
Yes
Stages
Idea, Prototype, Pre-revenue, Revenue
Solo founders
Yes
Full-time required
No
Company required
No
University link required
No
Application languages
DE
Location
Business location in Berlin

Who can apply

  • Founders of commercial or freelance businesses, or firms on market ≤5 years (founding track)
  • No bank collateral, but personal guarantee required
  • Direct application to IBB (no Hausbank)

What usually blocks applicants

  • Negative SCHUFA/tax debt is disqualifying
  • Development costs not funded
  • Early repayment penalty
  • Interest of 7–7.5% p.a. (Sep 2026)

What the official documents say

  • Founding microloan up to EUR 50,000: 7.50% nominal, 7.71% effective, fixed for 6 years (p. 1)
  • Microloan for existing firms: 7.00% nominal, 7.19% effective; 0–1 year repayment-free (p. 1)
  • Term 6 years; founders get 1 repayment-free year; 100% payout; quarterly instalments (p. 1)
  • No commitment fee for microloans; processing fee waived if the loan is approved (p. 1)
  • GmbH/UG: shareholders or managing directors with major influence must give a personal guarantee (p. 1)
Official PDF (DE): Konditionsübersicht für Kredite aus dem KMU-Fonds, version 2026-09-16

Why founders miss it

Freelancers and pre-revenue founders can apply directly without a Hausbank, which is the main hurdle with KfW StartGeld.

Deadline and timing

Rolling; apply before project start

Frequently asked

How much does Berlin microloan pay?

Up to €50,000; 6 years incl. 1 repayment-free year; quarterly repayment; 7.50% nominal (7.71% effective) for founders, 7.00% for existing firms, fixed for 6 years (Sep 2026)

Who can apply for Berlin microloan?

Founders of commercial or freelance businesses, or firms on market ≤5 years (founding track) No bank collateral, but personal guarantee required Direct application to IBB (no Hausbank)

When is the Berlin microloan deadline?

Rolling; apply before project start

Where do I apply for Berlin microloan?

On the official page: https://www.ibb.de/de/foerderprogramme/mikrokredit-aus-dem-kmu-fonds.html. Applications are accepted in DE.

Do I have to pay back Berlin microloan or give up equity?

Yes, it is repayable. It takes no equity.

Can solo founders apply for Berlin microloan?

Yes, solo founders can apply.

Sources and verification

Checked on 8 October 2026. Facts read directly from the official source. This page is orientation, not an eligibility decision.

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