The ERP StartGeld start-up loan has been temporarily suspended for non-profit companies, effective from February 12, 2025. Applications submitted after this date will not be approved due to a decision by the German Bundestag regarding the ERP Economic Planning Act of January 30, which excludes promotion for non-profits.
The loan program remains available to start-ups, self-employed professionals, and new businesses within five years of beginning their operations. Small commercial enterprises can also apply. Eligible applicants may request a loan of up to EUR 125,000 through their regular bank, with KfW assuming 80% of the customer credit risk. The loans cover investments and operational costs.