What is KfW StartGeld 200,000 euro?

KfW StartGeld 200,000 euro is the updated cap on KfW’s ERP StartGeld founder loan in Germany. Founders can finance setup, equipment, software, and higher working capital, with lighter collateral than standard loans. Some digital projects can earn repayment grants that reduce the outstanding principal after verified completion.

Who can apply, and can Swiss founders benefit?

Typically, Germany-registered startups, sole traders, and small companies apply through their house bank. Swiss founders can benefit by establishing a German entity with local operations and revenue. Eligibility, documentation, and risk checks remain crucial, so confirm details with the partner bank handling the application.

How do repayment grants for digitalization work?

Repayment grants linked to SME digitization subsidy Germany can reduce the repayable loan after audited delivery of approved digital investments, such as software, cloud, or process automation. Borrowers must document spend and milestones. Banks and KfW verify compliance before applying the grant to lower the principal.

What timeline should applicants and suppliers plan for in Q1?

Banks expect stronger Q1 demand, so prepare bank-ready quotes, project plans, and financials early to avoid bottlenecks. Many approvals land within weeks, but complex cases take longer. Align delivery schedules with funding dates and grant verification to protect cash flow and payment terms.

Global Market Insights

January 07: KfW Lifts StartGeld to €200k, Boosting SME Liquidity

ByHuzaifa Zahoor January 7, 2026January 7, 2026

Germany’s KfW has lifted its ERP StartGeld cap to €200,000, a timely boost for Swiss readers tied to the German market. With KfW StartGeld 200,000 euro, founders can fund setup, equipment, and now higher working capital. Repayment grants for digital projects further sweeten cash flow. Banks signal stronger Q1 demand, which can lift SME liquidity and capex in Germany. We explain what changed, why it matters for Switzerland, and how investors can position for German startup financing 2026. This update also aligns with SME digitization subsidy Germany goals.