Business energy and resource efficiency loan (295)
Loans for organizations investing in efficient industrial equipment, renewable process heat, energy-management systems or process electrification in Germany. After KfW accepts the completed work, it reduces the amount the borrower must repay.
Denne finansieringsmuligheten er foreløpig beskrevet på engelsk.
This listing covers five modules that you apply for through a financing partner. Module 5 uses a separate application route and is not part of this loan. Eligible uses include replacing existing motors, pumps, fans or compressed-air equipment with high-efficiency alternatives; installing renewable process-heat systems; adding measurement, control and energy-management systems; optimizing industrial processes; and electrifying fossil-fuelled equipment in small businesses. The detailed technical rules vary by module.
The loan can cover up to 100% of eligible investment costs, with a maximum of €100 million per project. Terms run for up to 20 years, with up to three initial repayment-free years on the longest option. Your financing partner sets the interest rate based on your financial position and collateral.
After KfW accepts the completed work, it credits a subsidy against the loan, reducing the amount you must repay. Rates depend on the module, company size, how eligible costs are calculated and which public-aid rules apply. The highest published rate is 60% for qualifying module 2 renewable process-heat investments by small businesses. Subsidies in modules 2 to 4 are capped at €20 million; modules 1 and 6 have a €200,000 cap.
Eligibility
- You must have a permanent establishment or branch in Germany. Eligible applicants include majority-private commercial businesses, municipal and state-owned companies, self-employed professionals, contractors delivering a qualifying measure for an eligible organization, and nonprofits carrying out economic activity. Municipalities, their dependent operations and businesses at least 50% owned by the federal government are excluded.
- The investment must be carried out in Germany and used for its intended industrial or commercial purpose for at least three years.
- Modules 1 and 4 basic funding are limited to small and medium-sized businesses. Module 6 is limited to small businesses. Large businesses can use the other qualifying routes.
- Module 4 premium projects must meet either the specified percentage or annual-tonnage greenhouse-gas savings threshold and include an energy-saving concept. Their payback period without funding must exceed three years.
- Apply before starting implementation. Research and development, used equipment, operating costs and equipment that cannot be assigned predominantly to a commercial or industrial process are excluded. The terms contain additional module-specific technical requirements and exclusions.
- You cannot claim other federal, state or local public aid for the same measure, or apply for the same measure through both this KfW credit and the BAFA grant or EEW funding competition.
How to apply
- Status
- Datoer ikke kunngjort
Choose the relevant module and check its technical annex. Complete KfW's electronic confirmation for the application and give the signed document to a bank or savings bank. The financing partner submits the credit application to KfW.
Apply before starting the project. Normally, implementation can begin only after KfW approves the credit. If timing is critical, submit a justified request for early project start through the financing partner before implementation; you may start early only if KfW approves that request, and you bear the risk until the credit receives final approval.