The days when permanent employment promised absolute security are over. If we look at the economy and the rapid technological development (keywords: AI and robotics), we see that many traditional jobs are under threat. The solution does not lie in waiting, but in proactively creating your own job that cannot be terminated.

My name is Daniel Schäfer, and I have supported over 3,000 people on this path. I will show you how to take this step successfully – with substantial support from government policy. The state has recognised that business start-up self-employment is the best form of provision and offers you concrete Funding and Grants support.

Step 1: Laying the foundation – 100% grant for your business plan

Before you apply for a single euro of investment capital, you must ensure one thing: the viability viability of your business. This is where most founders fail. Your Business Plan must present a plausible set of figures (profits, losses, capital requirements) for the next 3 to 5 years – just as your tax advisor would later do.

The good news: You do not have to do this conceptual work alone or at your own expense. Through programmes such as those offered by the BAFA or the Employment Agency, you can Funding apply for grants covering between 50% and 100% of the advisory costs. We are certified as X-Group and will help you lay this essential foundation.

Step 2: Securing your living expenses – The €10,000 transition support

The leap from employee to full-time self-employed is often the biggest financial hurdle. For this, the state offers so-called living cost grants. The best-known instrument is the Start-up Grant (Gründungszuschuss) start-up grant (Gründungszuschuss) from the Employment Agency.

Through this or similar programmes (Einstiegsgeld, and in exceptional cases, the pension insurance), you can receive at least €10,000 in tax-free grants . This gives you the necessary financial buffer. The advantage of the start-up grant: After approval, you can earn unlimited additional income without the funds being offset – a fantastic support for your Start-up Financing.

Step 3: Investment protection through the KfW loan

If you want to get your business off the ground and need investment or working capital (often up to €100,000), you cannot avoid your local bank. As a new entrepreneur without three years of financial statements, this can be challenging.

This is exactly where the KfW loan (e.g. KfW StartGeld). KfW assumes up to 80% of the liability towards your main bank. This guarantee is the key reason why, as a new founder, you are able to obtain funding for your investment at all. X-Group regularly applies for this instrument and optimises your documents for a successful application.

Step 4: Growth and scaling with million-euro programmes

Your business is taking off and you want to scale up? Then there are funding instruments that can massively support your growth investments. Through KfW, so-called ERP programmes can be applied for, which enable financing of up to 25 million euros .

Another powerful instrument is the research allowance for innovative projects. Here you can receive grants of 30%, 40%, or even up to 100%, which can reimburse investments retroactively. With the right funding strategy from X-Group, you secure not only your start but also sustainable scaling.

🚀 Start your future now with job security you control

Today’s economy demands that you continue to develop. The business start-up is this process, and the Funding are your turbocharger. Whether you are just starting out or want to scale your business: We guide you from programme to programme until you achieve your goals.

Don’t wait for your boss to make the decision. Make it yourself!

Secure your free initial consultation now for Start-up Financing and use our expertise and 99% success rate to make the most of the 4 most important instruments for your success!

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.