KfW StartGeld: the process is via your financing partner.
The subsidised loan is applied for through a financing partner. Therefore, prepare not only the form, but also your business concept, the specific capital requirements, and an explanation of how the business will support the financing.
Daniel Schäfer & the X-Group teamPersonal support with planning, funding, and financing ↗- 01You and your project
Prepare business plan, figures, and documents.
- 02Financing partner
Present your project and have the financing reviewed.
- 03KfW subsidised loan
Submit the application via the financing partner.
Establish the basis before applying.
For start-ups, business takeovers, and young companies, provided the current programme conditions are met.
Does your project fit the programme?
Check company age, eligible costs, and other programme conditions on the current KfW website. Terms and conditions may change.
Is the financing requirement complete?
Distinguish between investments and working capital. Derive the amount from verifiable quotations, costs, and your start-up plan.
Is the sequence correct?
KfW points out that the application should be submitted to the financing partner before starting the project. Clarify in good time which steps are already considered as the start of the project.
You can bring the following.
- Business concept and qualifications of the founding team
- Investment list and capital requirements planning
- Profitability and liquidity planning
- Own funds, existing obligations, and other required bank documents
We will work on this with you.
- Discuss suitability of the funding route and timing of the enquiry
- Prepare business and financial plan for the bank
- Break down investments and working capital in a transparent way
- Systematically address bank queries and missing documents
This is our approach.
- 01
Discuss initial situation
Record the project, existing documents, and outstanding questions.
- 02
Agree on scope
Define services, required information, and costs.
- 03
Prepare documents
Work together on agreed content and figures.
- 04
Prepare the next step
Record results, responsibilities, and outstanding points.
A specific client case
Dominik Fischer
Acolyne · E-Commerce
External capital was needed for the FBA business; several banks initially declined.
What was processed: Together with X-Group, the business plan was revised for financing.
The published client case describes subsequent KfW financing.
View the full client case ↗Individual case from published X-Group client reports. No guarantee for other projects.
Frequently asked questions
Do I apply directly to KfW?
No. The application is submitted via a financing partner, such as a bank or savings bank.
Are the KfW planning templates mandatory?
KfW marks its published planning documents as optional working aids. Which documents your bank requires will be clarified in the specific application.
What should I do if a bank rejects my application?
Secure the feedback and check whether the concept, figures, capital requirements, or other prerequisites were decisive. Submitting an unchanged application will not resolve the original objection.
What does working together cost?
The initial consultation is free of charge. For further services, scope and costs are agreed before engagement. Whether funding is possible depends on your case and the necessary approval.
What happens after I submit my enquiry?
In the financing check, you describe your current situation. In a personal discussion, outstanding points and the required documents are clarified. Afterwards, it can be determined which work is appropriate.
Can I start with incomplete documents?
Yes. Bring any drafts you have and a list of your open questions. Missing information and assumptions will be explicitly identified and added as the process continues.
Further professional sources: KfW: current StartGeld programme
Let’s clarify your next step.
Describe your project in the financing check or book a free initial consultation directly.
