Startup loans in Leipzig
12 loans and investment programs founders in Leipzig can apply for: 5 from Leipzig and Saxony, 7 nationwide and EU-wide. Each one with the amount, who qualifies and the next deadline, checked against the official source.
Check which of them fit you
Answer a few questions about you and your project. The co-pilot starts with Leipzig selected and shows which programs fit, what blocks you and what to do next.
- Concrete reasons, not a score
- Nearest deadlines first
- Next step for each program
From Leipzig and Saxony
- SAB Microloan SaxonyEUR 5,000-30,000, up to 80% of eligible costs; currently 2% p.a. nominal; up to 6 years incl. 1 year repayment-free; no collateralLoan · Saxony · Apply any time
- Saxony market-launch loan€30k–500k; up to 100% of costs for young small firms (≤5 years, <50 staff), up to 80% for others; 1.5% p.a. (JTF regions incl. Leipzig) or 2.5%; up to 8 years, 2 years repayment-free; no collateral; can be subordinated for young small firmsLoan · Saxony · Apply any time
- Saxony digitalisation loan€30k–250k; up to 100% for young small firms; 1.5% (JTF) / 2.5% p.a.; up to 6 years, 1 year repayment-free; no collateralLoan · Saxony · Apply any time
- Guarantee without a bank (Saxony)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 yearLoan · Saxony · Apply any time
- SAB Saxony Loan UniversalInvestment loans from EUR 20,000 (4-20 years) and working-capital loans from EUR 20,000; 4% of the loan is forgiven, 6% for start-up financingLoan · Saxony · Apply any time
Nationwide and EU
- 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)Loan · Germany · Apply any time
- 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 collateralLoan · Germany · Apply any time
- Micro-Mezzanine Fund GermanySilent participation up to EUR 100,000, or EUR 150,000 for social and ecological firms; about 8% a year effective plus up to 2% profit share; 10 years, no collateralInvestment · Germany · Apply any time
- Antler ONE ResidencyUp to EUR 500,000 pre-seed (EUR 200,000 at once, the rest as follow-on) for about 10% equity; co-founder matching for solo foundersInvestment · Germany · Apply any time
- High-Tech Gründerfonds Seed InvestmentPre-seed/seed first tickets with a 'sweet spot' of EUR 800,000+, sized to need; follow-on growth rounds of up to EUR 30m per portfolio companyInvestment · Germany · Apply any time
- 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-freeLoan · Germany · Apply any time
- ERP Digitalisation and Innovation LoanLoan 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 projectsLoan · Germany · Apply any time
Questions founders ask
Which loans and investment programs can I get as a solo founder in Leipzig?
11 of the 12 programs accept solo founders under their official rules: SAB Microloan Saxony, Saxony market-launch loan, Saxony digitalisation loan, Guarantee without a bank (Saxony), SAB Saxony Loan Universal, KfW ERP Start-up Loan StartGeld and 5 more. For the others, the team rule is on each program page.
When is the next deadline?
None of these programs has an announced fixed deadline right now. 12 of the 12 accept applications all year round.
Facts are checked against official sources; each program page shows the verification date and sources. Orientation, not an eligibility decision.