{"id":14301,"date":"2026-03-04T23:54:01","date_gmt":"2026-03-04T22:54:01","guid":{"rendered":"https:\/\/x-group.de\/your-business-plan-free-of-charge-how-to-secure-100-funding-for-your-financing-entwurf\/"},"modified":"2026-10-13T15:05:58","modified_gmt":"2026-10-13T13:05:58","slug":"your-business-plan-free-of-charge-how-to-secure-100-funding-for-your-financing","status":"publish","type":"post","link":"https:\/\/x-group.de\/en\/your-business-plan-free-of-charge-how-to-secure-100-funding-for-your-financing\/","title":{"rendered":"Your Business Plan Free of Charge: How to Secure 100% Funding for Your Financing"},"content":{"rendered":"<div id=\"xg-preview-v2\">\n<header class=\"xg-head\">\n<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><\/p>\n<nav aria-label=\"Main navigation\" class=\"xg-nav\" id=\"xg-main-nav\">\n<details>\n<summary>Financing<\/summary>\n<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>\n<\/details>\n<details>\n<summary>Funding<\/summary>\n<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>\n<\/details>\n<details>\n<summary>Services<\/summary>\n<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>\n<\/details>\n<details>\n<summary>Best Cases<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Client Results &amp; Videos<\/a><\/div>\n<\/details>\n<details>\n<summary>About Us<\/summary>\n<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>\n<\/details>\n<details>\n<summary>Knowledge &amp; Free Resources<\/summary>\n<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>\n<\/details>\n<\/nav>\n<p><a class=\"xg-btn xg-head-cta\" href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<\/header>\n<p><main><\/p>\n<section class=\"xg-page-hero\">\n<div class=\"xg-wrap\"><span class=\"xg-eyebrow\">Knowledge &amp; resources \u00b7 Germany<\/span><\/p>\n<h1>Your Business Plan Free of Charge: How to Secure 100% Funding for Your Financing<\/h1>\n<p>Original article: 2026-03-04. English translation. Programme details reflect the original publication date.<\/p>\n<\/div>\n<\/section>\n<section class=\"xg-section\">\n<div class=\"xg-wrap xg-article-body\">\n<p>25 years ago, I was exactly where you might be today: I wrote my first business plan for a bank \u2013 and was promptly rejected. Today I know: it was not because of my idea, but because of the method. After founding over 40 companies myself and supporting more than 3,000 entrepreneurs with their <b data-index-in-node=\"335\" data-path-to-node=\"3\">X-Group<\/b> I know the secrets of a bank-ready plan.<\/p>\n<p>The good news for you? You do not have to go this route alone, and you do not have to spend a fortune. There is a way for you to have your professional <b data-index-in-node=\"161\" data-path-to-node=\"4\">business plan<\/b> prepared \u2013 and this is 100% funded by the state.<\/p>\n<p><div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe title=\"Nie wieder Bank-Ablehnung: Der perfekte Businessplan f\u00fcr Gr\u00fcnder! 2026!!\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/7Qt26Los9dE?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/p>\n<h2>Why most business plans fail at banks<\/h2>\n<p data-path-to-node=\"6\">Most founders make the mistake of starting with the written section. They use online platforms or have AI generate texts that may sound nice but have no connection to reality. But the core, the true heart of your <b data-index-in-node=\"241\" data-path-to-node=\"6\">founder financing<\/b>, is not the &#8216;lyricism&#8217; \u2013 it is the financial section.<\/p>\n<p data-path-to-node=\"7\">A viable <a href=\"https:\/\/x-group.de\/en\/financial-planning-made-easy-how-to-survive-the-ramp-up-phase-of-your-start-up\/\">Financial Plan<\/a> must look at least 36 months into the future. It is your financial roadmap. Only when your prices, investments, marketing costs, and contribution margins have been thoroughly examined will you know whether your project is truly marketable. Banks and investors immediately recognise whether a plan is solid or just empty phrases.<\/p>\n<h2>First the numbers, then the lyricism: The heart of your success<\/h2>\n<p data-path-to-node=\"9\">At X-Group, we reverse the process. We first look at: Are your prices competitive? Can you make a living from this, pay your employees, and service your capital? Once the financials are in place, the written section \u2013 the so-called application lyricism \u2013 is simply the logical description of your numbers.<\/p>\n<p>Here we clarify the decisive questions:<\/p>\n<ul>\n<li>Who exactly is your target group?<\/li>\n<li data-path-to-node=\"11,0,0\">What sales volumes are realistic?<\/li>\n<li data-path-to-node=\"11,0,0\">What is the actual marketing effort required?<\/li>\n<li data-path-to-node=\"11,0,0\">Is your entrepreneur&#8217;s salary secured in the long term?<\/li>\n<\/ul>\n<h2>The expert opinion: Your ticket to funding opportunities<\/h2>\n<p data-path-to-node=\"13\">If you want to apply for government <a href=\"https:\/\/x-group.de\/en\/uncancellable-through-entrepreneurship-how-to-secure-the-4-most-important-government-funding-instrum\/\"><b data-index-in-node=\"19\" data-path-to-node=\"13\">Funding<\/b> <\/a>or a <a href=\"https:\/\/x-group.de\/en\/200-000-kfw-startgeld-the-one-business-plan-mistake-that-will-kill-your-founder-financing-in-2026\/\">KfW loan<\/a> , the institutions often require a financial assessment. At the Employment Agency or Job Centre, this is known as the <b data-index-in-node=\"203\" data-path-to-node=\"13\">an expert opinion<\/b>. Without this document from a certified body such as ours, funding is often not accessible.<\/p>\n<p data-path-to-node=\"14\">We assess your project as a neutral party. This not only gives the bank confidence, but also protects you from potentially existential miscalculations. We also identify any gaps in your skills: Do you still need support in areas such as tax, marketing or law? This preparation is also part of our <a href=\"https:\/\/x-group.de\/en\/your-ascent-to-success-how-to-secure-100-funded-start-up-consultancy-avgs\/\">subsidised coaching<\/a>.<\/p>\n<h2>How to secure your 100% free pre-start-up coaching<\/h2>\n<p data-path-to-node=\"16\">How does the 100% funding work? The Federal Employment Agency has recognised X-Group as a certified training provider. This means: If you are registered as seeking employment \u2013 even if you are not currently receiving ALG I (German unemployment benefit) or B\u00fcrgergeld \u2013 you are entitled to a so-called <b data-index-in-node=\"293\" data-path-to-node=\"16\"><a href=\"https:\/\/x-group.de\/en\/your-ascent-to-success-how-to-secure-100-funded-start-up-consultancy-avgs\/\">AVGS<\/a> (activation and placement voucher, AVGS)<\/b>.<\/p>\n<p data-path-to-node=\"17\">Depending on how much support you need, different modules are available to you:<\/p>\n<ul>\n<li data-path-to-node=\"18,0,0\"><b data-index-in-node=\"0\" data-path-to-node=\"18,0,0\">30 to 50 units:<\/b> Ideal if your concept is already largely developed and you only need to fine-tune the financial section.<\/li>\n<li data-path-to-node=\"18,0,0\"><b data-index-in-node=\"0\" data-path-to-node=\"18,1,0\">80 units and more:<\/b> The gold standard for new founders. Here, we go in-depth into marketing, sales, accounting and legal topics to make you fully ready for the market.<\/li>\n<\/ul>\n<h2>Take your chance to develop a concept ready for financing<\/h2>\n<p>Don\u2019t let your dream fail because of a poorly calculated business plan. Use X-Group\u2019s methodological expertise to put your <b data-index-in-node=\"132\" data-path-to-node=\"20\">self-employment<\/b> on a solid foundation. We not only help you with the writing, but also guide you through the entire bureaucracy and bank meeting process.<\/p>\n<h2>About X-Group <\/h2>\n<p>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.<\/p>\n<\/div>\n<\/section>\n<p><\/main><\/p>\n<footer class=\"xg-footer\">\n<div class=\"xg-wrap\">\n<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>\n<p>We prepare start-ups and businesses for financing and funding.<\/p>\n<\/div>\n<div class=\"xg-footer-cols\">\n<div>\n<h3>Start-up &amp; financing<\/h3>\n<p><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>\n<div>\n<h3>Funding &amp; consulting<\/h3>\n<p><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>\n<div>\n<h3>Daniel &amp; X-Group<\/h3>\n<p><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>\n<div>\n<h3>Knowledge &amp; legal information<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Guides &amp; 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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":18,"featured_media":14499,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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":"default","adv-header-id-meta":"","stick-header-meta":"default","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":""},"categories":[1],"tags":[],"class_list":["post-14301","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-unkategorisiert"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your Business Plan Free of Charge: How to Secure 100% Funding for Your Financing - X-Group<\/title>\n<meta name=\"description\" content=\"Original article: 2026-03-04. 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