Do you have a validated product but lack the capital to meet demand? A solid Start-up Financing is the foundation for every online retailer, yet many shy away from approaching the bank. With X-Group we support you with our expertise and a success rate of 99% to help you secure the necessary capital for your business.

The new era of e-commerce financing

Ten years ago, it was almost impossible for online retailers to obtain traditional bank loans or funding programmes However, times have changed. Today, e-commerce models such as Amazon FBA or in-house logistics are widely accepted by credit institutions. As a founder or existing entrepreneur, you can now access targeted government support to finance your inventory . The key is no longer the question, whether you will get funding, but how professionally you present your project.

The ERP Start-up Loan (ERP-Gründerkredit StartGeld): Your lever for maximum growth

One of the most attractive instruments for your business is the KfW loan (ERP-Gründerkredit StartGeld). This programme enables you to raise up to 200.000 € in capital – often at very attractive terms. Particularly interesting: you can use this capital flexibly. Whether for the initial equipment of your warehouse or for investments in new product lines – the government offers a significant lever here to multiply your own capital.

New business vs. established company: What is eligible for funding?

The requirements for your Business Plan differ depending on the stage of your business:

• For new founders: You can use the full €200,000 for investments and goods. Of this, up to €80,000 may be used for operating expenses such as webshop development, software tools, marketing content (images, videos, graphics), or rent.

• For established entrepreneurs (up to 5 years): A distinction is made here. New product lines are considered investments and can be fully financed. Existing products in your range fall under the operating expense limit of €80,000.

The perfect business plan: Your ticket to approval

The bank wants security. That is why a plausible financial plan and a sharp analysis of your competitors are crucial. At X-Group know exactly what banks look for. We help you prepare your strategy so that the bank is convinced by your entrepreneurial team. Particularly valuable: Our consultancy can often be Funding financed up to 50% or even up to 100% (e.g. via the Employment Agency/Job Centre). Avoid empty warehouses and losing customers to the competition – ensure liquidity in good time.

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.