Do you finally want to scale your own business or take the leap into self-employment, but lack the necessary capital? Start-up financing, a professional Business Plan and access to attractive funding programmes such as the KfW loan are the keys to your success. At X-Group, we support you with a 99% success rate in financing your vision. Secure your free initial consultation now!

The capital lever: Why you as a founder are not left on your own

If you want to start a company or grow a young startup, capital is the most important resource. However, the reality is often different: banks are reluctant to take risks with new entrepreneurs who lack a long track record. This is where we come in. Imagine being able to multiply your existing equity by ten. €10,000 becomes €100,000 – or even €1,000 becomes an impressive €10,000.

Today, we have the advantage that there are specialised programmes designed to close exactly this gap. Whether you are already working full-time or want to build your business safely alongside your employment, the path to government-backed funding is open to you.

KfW StartGeld: Your turbo boost for start-up financing

The magic threshold for many founders is €200,000. Up to this amount, the KfW Mittelstandsbank offers programmes specifically designed to minimise your risk. The key advantage: KfW provides an 80% release from liability to your main bank or regional partner.

This means your financing partner is only responsible for 20% of the risk. This massively increases your chances of getting a loan approved! The only requirement is that you have been in the market for less than five years or are just starting out. With an equity ratio of around 10% to 20%, you can access amounts that will immediately take your project to the next level.

No strategy, no money: The robust financial plan

Many do not fail because of the idea, but because of the preparation. A simple Excel spreadsheet template is not enough. What you need is a robust financial plan. This must be as detailed as a professional business management evaluation (BWA).

From personnel costs and fixed costs to taxes and your own managing director’s salary – everything must be listed without gaps. Only if you can demonstrate in black and white that you can cover interest and repayments will your application be successful. At X-Group, we know exactly what reviewers look for and prepare these figures so that they withstand any scrutiny.

The business plan: Your vision as a convincing concept

The financial plan is the skeleton, but the Business Plan is the heart of your application. It is the ‘lyrical part’ where you explain why your product or service is needed in the market. Here you describe your target group, your marketing, and your long-term strategy.

In addition, a comprehensive appendix is required: articles of association, CVs, and proof of your equity. This process can seem daunting, but this is exactly where our expertise lies. As nationally certified consultants, we guide you through the entire bureaucratic jungle so you can focus on what you do best: running your business.

Conclusion: Use the expertise of X-Group

Why try to do it alone when you can have experts at your side who do nothing else every day but help founders secure their capital? We not only multiply your capital, but also your chances of success. Thanks to our certification, it is often even possible for our consulting services themselves to be subsidised by funding programmes.

About X-Group

Belief in your potential and a focus on the things that truly move you forward are the top priorities at X-Group GmbH in Berlin. You receive tailored support that identifies the most important bottlenecks. This way, you remove obstacles and can work purposefully towards your success.