Work – These grants founders should know about – Career

Berlin (dpa/tmn) – It’s usually a real challenge to build a life. Finally, a solid financial plan is necessary for the project to have a chance of success. But it is precisely the question of money that worries many founders. There is a solution to almost every financing problem.

“It often makes sense to contact the relevant trade association and obtain information from them”, says René Klein, managing director and editor of the “” portal. For example, the chambers of trades or the chambers of industry and commerce offer seminars for those wishing to set up a business, which deal in particular with questions of financing.

In some cases, it may also be useful to contact a management consulting firm. In addition to support with funding options and grants, there is also help with applying, says Michael Miels, Managing Director of Gördes, Rhöse & Collegen Management Consulting.

Entrepreneurs can obtain a grant from the federal state in which they start their business for the consulting costs incurred. Some measures to start a self-employed activity can also be financed by an AVGS check (activation and placement check) from Pôle Emploi.

Use online checklists

Basically, when it comes to financing, it is advisable to do some research on the Internet beforehand: The start-up portal of the Federal Ministry for Economic Affairs and Climate Protection (BMWK) offers a number of checklists and insights on the subject. funding and support for creators.

Websites such as also offer a free subsidy check. There, over 1000 different funding programs and grants are listed, which cater to founders and small businesses in all industries.

These funds are not only available for planning and foundation, but also later for acquisition, investment or expansion. “In some cases, those who want to start a business have nothing to repay,” says René Klein.

An overview of a selection of important grants, loans and financing options:

• Start-up allowance: People who receive unemployment benefit and wish to become self-employed can apply for a start-up allowance from the Federal Employment Agency. It is initially paid for six months. Its amount depends on the amount of the applicant’s unemployment benefit.

In addition, there is an amount of 300 euros per month. At the end of the six months, people can receive an additional nine months of 300 euros – provided they can prove that they are full-time self-employed.

• Low-interest promotional loans: People setting up new businesses also have the option of accessing promotional funds from KfW nationwide. With the so-called ERP start-up loan, up to 125,000 euros can be borrowed at low interest rates. “Those who want to start a business do not need to show their own capital; KfW also bears 80% of the credit risk”, explains Michael Miels. Here you will find details of KfW promotional loans.

The development banks of the Länder, such as the NRW.Bank or the L-Bank of Baden-Württemberg, also offer low-interest loans for setting up businesses. “For most government development loans, applications are not made through the development bank itself, but through the respective house bank,” Klein explains.

• EXIST start-up grant: With this grant, the Federal Ministry for Economic Affairs and Climate Protection (BMWK) supports students, university graduates and scientists in setting up a business. Prerequisite for funding: The project must be an innovative, technology-driven or knowledge-based product that does not yet exist in this form and has good economic prospects of success once implemented.

For a maximum of one year, people wishing to start a business receive up to 3,000 euros per month to ensure their subsistence, plus a family allowance of 150 euros per month and per child. In addition, there is a maximum of 30,000 euros for material expenses and an additional 5,000 euros for coaching.

• High-Tech Gründerfonds: Start-ups in the fields of digital technology, industrial technology, life sciences and chemistry have the possibility of receiving funds from the High-Tech Gründerfonds (HTGF).

Besides BMWK and KfW Capital, investors in the fund currently include 33 companies from industry and business, according to the HTGF. The HTGF invests up to three million euros in a company across all funding rounds. The financing model is individually adapted to the company concerned.

• INVEST – venture capital grant: This is a grant program that supports young, innovative companies in their search for an investor. It is based at the Federal Office for Economics and Export Control.

In addition, the program is aimed at investors who should be encouraged to acquire shares in these young innovative companies. Investors are reimbursed 20% of the amount they invested by the BMWK. Incidentally, the minimum investment amount must be 25,000 euros. Detailed information is available here.

© dpa-infocom, dpa:220513-99-272495/3

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