SAB Saxony Loan Universal
Sachsenkredit Universal (SAB)
Investment 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 financing. Provided by Sächsische Aufbaubank (SAB) via your bank.
Key facts
- Amount
- Investment 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 financing
- Duration
- 1-20 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
- Business in Saxony
Who can apply
- People founding a commercial business and members of the free professions (Freiberufler)
- Applied for through your bank
What usually blocks applicants
- Needs less than EUR 20,000
- Refinancing, leasing goods, rental property or energy plants
Deadline and timing
Rolling; terms changed on 13 May 2026.
Frequently asked
How much does SAB Saxony Loan Universal pay?
Investment 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 financing
Who can apply for SAB Saxony Loan Universal?
People founding a commercial business and members of the free professions (Freiberufler) Applied for through your bank
When is the SAB Saxony Loan Universal deadline?
Rolling; terms changed on 13 May 2026.
Where do I apply for SAB Saxony Loan Universal?
On the official page: https://www.sab.sachsen.de/en/sab-sachsenkredit-universal-neu. Applications are accepted in DE.
Do I have to pay back SAB Saxony Loan Universal or give up equity?
Yes, it is repayable. Equity terms depend on the case; check the official conditions.
Can solo founders apply for SAB Saxony Loan Universal?
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.
More funding in Saxony
- InnoStartBonus SaxonyEUR 1,050/month per founder + EUR 150/month per dependent child; up to 12 months
- ESF Plus Technology Founder Stipend SaxonyPer founder per month: EUR 1,000 (students), EUR 2,500 (graduates), EUR 3,000 (PhD); up to 12 months
- 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 collateral
- SAB Founding Consulting SubsidyFixed EUR 400 per consulting day (8h), 2-5 days for new start-ups (EUR 800-2,000); succession EUR 500/day up to 10 days
- Saxony Digitalisation Grant (micro firms)Up to 60% of eligible costs (+10 pts if bound by collective agreement); direct eligible costs capped at EUR 10,000, minimum EUR 5,000 costs; plus 7% flat indirect costs
- Saxon Founders' Prize2026 round: up to EUR 30,000 total split across Newcomer, Start-up and Scale-up winners (2025 round: up to EUR 60,000)