{"id":14176,"date":"2026-10-06T13:15:57","date_gmt":"2026-10-06T11:15:57","guid":{"rendered":"https:\/\/x-group.de\/kfw-startgeld-entwurf-2\/"},"modified":"2026-10-13T15:05:44","modified_gmt":"2026-10-13T13:05:44","slug":"kfw-startgeld","status":"publish","type":"page","link":"https:\/\/x-group.de\/en\/kfw-startgeld\/","title":{"rendered":"KfW StartGeld | X-Group"},"content":{"rendered":"\n<div id=\"xg-preview-v2\"><header class=\"xg-head\"><div class=\"xg-wrap xg-head-inner\"><a aria-label=\"X-Group homepage\" class=\"xg-logo\" href=\"https:\/\/x-group.de\/en\/\"><img decoding=\"async\" alt=\"X-Group\" height=\"47\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo-250x86.png\" width=\"126\"\/><\/a><button aria-controls=\"xg-main-nav\" aria-expanded=\"false\" class=\"xg-menu-toggle\">Menu<\/button><nav aria-label=\"Main navigation\" class=\"xg-nav\" id=\"xg-main-nav\"><details><summary>Financing<\/summary><div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing<\/a><a href=\"https:\/\/x-group.de\/en\/kfw-startgeld\/\">KfW StartGeld<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing Rejected<\/a><a href=\"https:\/\/x-group.de\/en\/business-acquisition-financing\/\">Business Acquisition<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-financing\/\">Gastronomy<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-acquisition-financing\/\">Restaurant Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/medical-practice-acquisition-financing\/\">Practice Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/pharmacy-financing\/\">Pharmacy<\/a><a href=\"https:\/\/x-group.de\/en\/retail-financing\/\">Retail<\/a><a href=\"https:\/\/x-group.de\/en\/trades-business-financing\/\">Craft Business<\/a><a href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div><\/details><details><summary>Funding<\/summary><div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-grant\/\">Start-up Grant (Gr\u00fcndungszuschuss)<\/a><a href=\"https:\/\/x-group.de\/en\/avgs-startup-coaching\/\">AVGS Start-up Coaching<\/a><a href=\"https:\/\/x-group.de\/en\/bafa-consulting\/\">BAFA Consultancy Funding<\/a><a href=\"https:\/\/x-group.de\/en\/funding\/\">Overview of Funding Options<\/a><\/div><\/details><details><summary>Services<\/summary><div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/services\/\">All Services &amp; Packages<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan<\/a><a href=\"https:\/\/x-group.de\/en\/financial-plan\/\">Financial Plan<\/a><a href=\"https:\/\/x-group.de\/en\/services\/#module\">24 Advisory Modules<\/a><\/div><\/details><details><summary>Best Cases<\/summary><div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Client Results &amp; Videos<\/a><\/div><\/details><details><summary>About Us<\/summary><div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\">Daniel Sch\u00e4fer<\/a><a href=\"https:\/\/x-group.de\/en\/team\/\">Team &amp; X-Group<\/a><a href=\"https:\/\/x-group.de\/en\/contact\/\">Contact<\/a><a href=\"https:\/\/x-group.de\/en\/links\/\">All Appointments &amp; Direct Links<\/a><\/div><\/details><details><summary>Knowledge &amp; Free Resources<\/summary><div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Knowledge &amp; Guides<\/a><a href=\"https:\/\/x-group.de\/en\/downloads\/\">Forms &amp; Downloads<\/a><a href=\"https:\/\/www.youtube.com\/channel\/UCmlJMIv8lRTEkXNHcFzQtZw\/\">YouTube<\/a><\/div><\/details><\/nav><a class=\"xg-btn xg-head-cta\" href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div><\/header><main><section class=\"xg-topic-hero xg-topic-route\"><div class=\"xg-wrap xg-topic-hero-grid\"><div class=\"xg-topic-copy\"><div class=\"xg-breadcrumb\"><a href=\"https:\/\/x-group.de\/en\/\">Homepage<\/a><span>\/<\/span><span>KfW StartGeld<\/span><\/div><span class=\"xg-eyebrow\">KfW StartGeld<\/span><h1>KfW StartGeld: the process is via your financing partner.<\/h1><p class=\"xg-topic-intro\">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.<\/p><div class=\"xg-actions\"><a class=\"xg-btn\" href=\"https:\/\/x-group.de\/en\/financing-check\/\">Prepare financing <span aria-hidden=\"true\">\u2197<\/span><\/a><a class=\"xg-btn xg-btn-outline\" href=\"https:\/\/x-group.de\/en\/#kalender\">Book initial consultation <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><a class=\"xg-expert-line\" href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\"><img decoding=\"async\" alt=\"Daniel Sch\u00e4fer\" height=\"64\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2026\/10\/daniel-schaefer-portrait-restauriert-20261006.webp\" width=\"64\"\/><span><strong>Daniel Sch\u00e4fer &amp; the X-Group team<\/strong><small>Personal support with planning, funding, and financing \u2197<\/small><\/span><\/a><\/div><div class=\"xg-topic-visual\"><div class=\"xg-route-panel\"><span class=\"xg-eyebrow\">The application process<\/span><ol><li><b>01<\/b><div><strong>You and your project<\/strong><p>Prepare business plan, figures, and documents.<\/p><\/div><\/li><li><b>02<\/b><div><strong>Financing partner<\/strong><p>Present your project and have the financing reviewed.<\/p><\/div><\/li><li><b>03<\/b><div><strong>KfW subsidised loan<\/strong><p>Submit the application via the financing partner.<\/p><\/div><\/li><\/ol><\/div><\/div><\/div><\/section><section class=\"xg-section\"><div class=\"xg-wrap\"><div class=\"xg-section-top\"><div><span class=\"xg-eyebrow\">Align the loan and the project<\/span><h2>Establish the basis before applying.<\/h2><\/div><\/div><div class=\"xg-story-split\"><div><p class=\"xg-topic-audience\">For start-ups, business takeovers, and young companies, provided the current programme conditions are met.<\/p><div class=\"xg-editorial-rows\"><article><span>01<\/span><h3>Does your project fit the programme?<\/h3><p>Check company age, eligible costs, and other programme conditions on the current KfW website. Terms and conditions may change.<\/p><\/article><article><span>02<\/span><h3>Is the financing requirement complete?<\/h3><p>Distinguish between investments and working capital. Derive the amount from verifiable quotations, costs, and your start-up plan.<\/p><\/article><article><span>03<\/span><h3>Is the sequence correct?<\/h3><p>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.<\/p><\/article><\/div><\/div><figure class=\"xg-topic-photo\"><img loading=\"lazy\" decoding=\"async\" alt=\"Sample image: Machinery and planning in a small production business\" height=\"1024\" loading=\"lazy\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2026\/10\/xgroup-finanzierung-symbolbild-20261006.webp\" width=\"1536\"\/><figcaption>Machinery and planning in a small production business \u00b7 AI-generated image<\/figcaption><\/figure><\/div><\/div><\/section><section class=\"xg-section xg-topic-preparation\"><div class=\"xg-wrap\"><div class=\"xg-preparation xg-preparation-route\"><div class=\"xg-preparation-list\"><span class=\"xg-eyebrow\">Your preparation<\/span><h2>You can bring the following.<\/h2><ul class=\"xg-list\"><li>Business concept and qualifications of the founding team<\/li><li>Investment list and capital requirements planning<\/li><li>Profitability and liquidity planning<\/li><li>Own funds, existing obligations, and other required bank documents<\/li><\/ul><\/div><div class=\"xg-work-list\"><span class=\"xg-eyebrow\">Our specific work<\/span><h2>We will work on this with you.<\/h2><ul class=\"xg-list\"><li>Discuss suitability of the funding route and timing of the enquiry<\/li><li>Prepare business and financial plan for the bank<\/li><li>Break down investments and working capital in a transparent way<\/li><li>Systematically address bank queries and missing documents<\/li><\/ul><\/div><\/div><div class=\"xg-note\">Eligibility for funding alone does not constitute a loan approval. Even for subsidised loans, the financing partner will review the application. Current amounts and terms can be found on the KfW programme page.<\/div><\/div><\/section><section class=\"xg-section xg-process-route\"><div class=\"xg-wrap\"><div class=\"xg-section-top\"><div><span class=\"xg-eyebrow\">From enquiry to the next step<\/span><h2>This is our approach.<\/h2><\/div><\/div><ol class=\"xg-topic-process\"><li><span>01<\/span><div><h3>Discuss initial situation<\/h3><p>Record the project, existing documents, and outstanding questions.<\/p><\/div><\/li><li><span>02<\/span><div><h3>Agree on scope<\/h3><p>Define services, required information, and costs.<\/p><\/div><\/li><li><span>03<\/span><div><h3>Prepare documents<\/h3><p>Work together on agreed content and figures.<\/p><\/div><\/li><li><span>04<\/span><div><h3>Prepare the next step<\/h3><p>Record results, responsibilities, and outstanding points.<\/p><\/div><\/li><\/ol><\/div><\/section><section class=\"xg-section\"><div class=\"xg-wrap\"><div class=\"xg-section-top\"><div><span class=\"xg-eyebrow\">Practical experience<\/span><h2>A specific client case<\/h2><\/div><\/div><div class=\"xg-content-grid\"><div><h3>Dominik Fischer<\/h3><p>Acolyne \u00b7 E-Commerce<\/p><p>External capital was needed for the FBA business; several banks initially declined.<\/p><\/div><div><p><strong>What was processed:<\/strong> Together with X-Group, the business plan was revised for financing.<\/p><p>The published client case describes subsequent KfW financing.<\/p><a class=\"xg-text-link\" href=\"https:\/\/x-group.de\/en\/client-results\/#fall-dominik\">View the full client case \u2197<\/a><\/div><\/div><p class=\"xg-sources\">Individual case from published X-Group client reports. No guarantee for other projects.<\/p><\/div><\/section><section class=\"xg-section xg-topic-faq\"><div class=\"xg-wrap\"><div class=\"xg-section-top\"><div><span class=\"xg-eyebrow\"><\/span><h2>Frequently asked questions<\/h2><\/div><\/div><div class=\"xg-faq\"><details class=\"xg-details\"><summary>Do I apply directly to KfW?<\/summary><div><p>No. The application is submitted via a financing partner, such as a bank or savings bank.<\/p><\/div><\/details><details class=\"xg-details\"><summary>Are the KfW planning templates mandatory?<\/summary><div><p>KfW marks its published planning documents as optional working aids. Which documents your bank requires will be clarified in the specific application.<\/p><\/div><\/details><details class=\"xg-details\"><summary>What should I do if a bank rejects my application?<\/summary><div><p>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.<\/p><\/div><\/details><details class=\"xg-details\"><summary>What does working together cost?<\/summary><div><p>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.<\/p><\/div><\/details><details class=\"xg-details\"><summary>What happens after I submit my enquiry?<\/summary><div><p>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.<\/p><\/div><\/details><details class=\"xg-details\"><summary>Can I start with incomplete documents?<\/summary><div><p>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.<\/p><\/div><\/details><\/div><p class=\"xg-sources\">Further professional sources: <a href=\"https:\/\/www.kfw.de\/inlandsfoerderung\/Privatpersonen\/Existenzgr%C3%BCndung\/F%C3%B6rderprodukte\/ERP-Gr%C3%BCnderkredit-Startgeld-%28067%29\/\" rel=\"noopener noreferrer\" target=\"_blank\">KfW: current StartGeld programme<\/a><\/p><div class=\"xg-related\"><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing \u2197<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan \u2197<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing rejected \u2197<\/a><\/div><\/div><\/section><section class=\"xg-final\"><div class=\"xg-wrap\"><h2>Let&#8217;s clarify your next step.<\/h2><p>Describe your project in the financing check or book a free initial consultation directly.<\/p><div class=\"xg-actions\"><a class=\"xg-btn\" href=\"https:\/\/x-group.de\/en\/financing-check\/\">Start financing check <span aria-hidden=\"true\">\u2197<\/span><\/a><a class=\"xg-btn xg-btn-outline\" href=\"https:\/\/x-group.de\/en\/#kalender\">Free initial consultation <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/div><\/section><\/main><footer class=\"xg-footer\"><div class=\"xg-wrap\"><div class=\"xg-footer-top\"><img decoding=\"async\" alt=\"X-Group\" height=\"56\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo-250x86.png\" width=\"150\"\/><p>We prepare start-ups and businesses for financing and funding.<\/p><\/div><div class=\"xg-footer-cols\"><div><h3>Start-up &amp; financing<\/h3><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan<\/a><a href=\"https:\/\/x-group.de\/en\/financial-plan\/\">Financial Plan<\/a><a href=\"https:\/\/x-group.de\/en\/kfw-startgeld\/\">KfW StartGeld<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing Rejected<\/a><a href=\"https:\/\/x-group.de\/en\/business-acquisition-financing\/\">Business Acquisition<\/a><\/div><div><h3>Funding &amp; consulting<\/h3><a href=\"https:\/\/x-group.de\/en\/startup-grant\/\">Start-up Grant (Gr\u00fcndungszuschuss)<\/a><a href=\"https:\/\/x-group.de\/en\/avgs-startup-coaching\/\">AVGS coaching<\/a><a href=\"https:\/\/x-group.de\/en\/bafa-consulting\/\">BAFA consulting<\/a><a href=\"https:\/\/x-group.de\/en\/services\/\">All services<\/a><a href=\"https:\/\/x-group.de\/en\/funding\/\">Funding<\/a><a href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div><div><h3>Daniel &amp; X-Group<\/h3><a href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\">Daniel Sch\u00e4fer<\/a><a href=\"https:\/\/x-group.de\/en\/team\/\">Our team<\/a><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Best Cases<\/a><a href=\"https:\/\/x-group.de\/en\/contact\/\">Contact<\/a><a href=\"https:\/\/x-group.de\/en\/#kalender\">Initial consultation<\/a><a href=\"https:\/\/x-group.de\/en\/links\/\">All appointments \/ links<\/a><\/div><div><h3>Knowledge &amp; legal information<\/h3><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Guides &amp; blog<\/a><a href=\"https:\/\/x-group.de\/en\/downloads\/\">Forms &amp; Downloads<\/a><a href=\"https:\/\/x-group.de\/en\/legal-notice\/\">Imprint<\/a><a href=\"https:\/\/x-group.de\/en\/privacy-policy\/\">Data protection<\/a><\/div><\/div><div class=\"xg-footer-bottom\"><span>\u00a9 2026 X-Group \u00b7 <a href=\"tel:+4930683282600\">030 683 282 600<\/a> \u00b7 <a href=\"mailto:team@x-group.de\">team@x-group.de<\/a><\/span><span><a href=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/AGB-x-group-GmbH-2015.pdf\">Terms &amp; Conditions<\/a> \u00b7 <button id=\"xg-cookie-settings\" type=\"button\">Cookie settings<\/button><\/span><\/div><\/div><\/footer><div class=\"xg-mobile-cta\" hidden=\"\"><a class=\"xg-btn\" href=\"https:\/\/x-group.de\/en\/#kalender\">Free initial consultation <span aria-hidden=\"true\">\u2197<\/span><\/a><a aria-label=\"Call X-Group\" href=\"tel:+4930683282600\">\u260e<\/a><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Menu Financing Start-up FinancingKfW StartGeldFinancing RejectedBusiness AcquisitionGastronomyRestaurant TakeoverPractice TakeoverPharmacyRetailCraft BusinessFinancing Check Funding Start-up Grant (Gr\u00fcndungszuschuss)AVGS Start-up CoachingBAFA Consultancy FundingOverview of Funding Options Services All Services &amp; PackagesBusiness PlanFinancial Plan24 Advisory Modules Best Cases Client Results &amp; Videos About Us Daniel Sch\u00e4ferTeam &amp; X-GroupContactAll Appointments &amp; Direct Links Knowledge &amp; Free Resources Knowledge &amp; GuidesForms &amp; [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-14176","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>KfW StartGeld | X-Group - X-Group<\/title>\n<meta name=\"description\" content=\"The subsidised loan is applied for through a financing partner. 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