ERP Start-Up Loan

The ERP Start-Up Loan (ERP-Gründerkredit) is a German government-backed funding program supported by the Federal Ministry for Economic Affairs and Energy that provides low-interest loans to startups and early-stage businesses up to 5 years old. The program offers two tiers: StartGeld for smaller businesses with loans up to €100,000, and Universell for larger startups with funding up to €25 million. These grants draw from the ERP fund to support entrepreneurship and business development in Germany.

Backed by the German Federal Ministry for Economic Affairs and Energy (BMWi), the ERP Start-Up Loan (“ERP-Gründerkredit”) consists of 2 grant programs.

It aims to finance startup businesses with low-interest loans from the ERP fund. The 2 programs are:

ERP Gründerkredit – StartGeld offers small businesses up to €100,000 grant funding
ERP Gründerkredit – Universell offers larger startup businesses up to €25 million funding
Both grants are available to businesses with up to 5 years of operations maximum. Also, the maturity of the loans ranges from 5 to 10 years.