Annika Ahlers (photo) brings regionally produced food into Münster’s kitchens. “More and more people want fresh and… regional foods from the farm, but not everyone has a farm shop nearby,” she explains. So in 2019 she founded the “Bauernbox” and sells products from farmers throughout Münsterland on the website farmersbox.com. To ensure that no food goes to waste, it is only harvested once the customer has ordered the desired goods from the farm. The fresh goods are then delivered to a shop near the customers. The recipient can then pick up the order in Münster and now also other locations in the area. In Münster he can even have them delivered to his home on a cargo bike.
Become self-employed with microloans
However, Annika Ahlers needed a financial helping hand to implement this founding idea. She took advantage of the funding program NRW.Microloans. This low-interest promotional loans is aimed specifically at founders of small businesses up to five years after starting business. All expenses can be financed with loan amounts of up to a maximum of 50,000 euroswhich are related to the establishment and subsequent growth without the need for collateral.
“Start-ups and Startups are essential for the future of the business location – as a development bank, we help make NRW the number one start-up country. Because in North Rhine-Westphalia no good idea should fail because of financing,” says Michael Stölting, member of the board of NRW.BANK.
Custom-fit support
There is tailor-made support for every phase of a start-up – regardless of whether it is a start with relatively low investments, the capital-intensive development of a prototype Start-up in the scaling and growth phase or whether it is a founder in the context of a company succession. As a funding institute for the state, the NRW.BANK a comprehensive program of low-interest promotional loans Equity financing through to funding advisory services.
Michael Stölting, member of the board of NRW.BANK. Photo: © NRW.BANK/Christian Lord Otto
“In North Rhine-Westphalia, no good idea should fail because of financing.” Michael StöltingMember of the Board of Directors of NRW.BANK
The pandemic is currently still determining economic events. The state development bank provides intensive advice on the current funding offers from the federal and state governments and also has it own offer in the crisis adjusted. Among other things, this extends the 80 percent liability exemption in NRW. BANK.Universalkredit the lending scope of the company’s house bank.
The actual application for funding also goes through the house bank, regardless of whether it is a cooperative bank, savings bank or private bank. NRW.BANK works with all credit institutions, which then pay out the funding. Especially for larger projects, the company boss should always speak to the corporate customer advisor at his bank – and always ask about funding options. The aim is to find the right financing mix for each project.
Checklist
The path to promotion
Founders can receive support from NRW.BANK with loans, equity capital and funding advice.
Important: Apply for funding first, then invest. Projects are already running and there is no funding available for them.
✓ Use advice: Contact the NRW.BANK funding advisory service, one of the STARTERCENTER NRW or a chamber.
✓ Contact your house bank: Present your business plan there and clarify funding options as well as the question of security.
✓ Apply for funding: Apply for funding with your bank. The house bank submits the application to NRW.BANK.
✓ Complete a loan agreement: After the application has been checked, you conclude the loan agreement with your bank.
✓ Implement projects: Start your project.
Source: NRW.BANK start-up brochure 2020 “The path to funding”
FAZITStart: It starts with a business idea and a good business plan.
Help: A development bank can provide financial start-up help.
Pilot: Your house bank will show you the way to the development bank, help with the application and submit it there.
Growth: Development banks offer support for every phase of a company.
Text: Rita Lansch / handwerksblatt.de
2024-01-15 23:02:20
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