Support programmes

The “Mittelstand Innovativ & Digital” funding programme is now managed by NRW-Bank and is open to SMEs based in North Rhine-Westphalia. It comprises three components: MID Digitalisation, MID Assistant and MID Digital Security, and is designed to support the innovative capacity and resilience of small and medium-sized enterprises. The programme offers financial support of up to 50 per cent of the eligible investment amount, up to 15,000 euros, for investments in digital products and digital security, as well as up to 48,000 euros for the recruitment of university graduates to implement innovative projects within the company.

Further information and contact details for NRW-Bank can be found here

Good news for companies in North Rhine-Westphalia: The new NRW.BANK.Invest Zukunft loan programme will be launched in May 2025. This will provide companies that invest in sustainability, digitalisation and innovation with additional support from NRW.BANK. The programme offers an interest rate that is up to two percent lower than the market rate and repayment discounts of up to 20 percent. Funding will be much simpler, as the new programme combines four existing funding programmes. This means that companies can benefit from the advantages quickly and conveniently. The aim of the Ministry of Economic Affairs and NRW.BANK is to make investments more attractive, increase the competitiveness of companies and speed up the transformation process.

Economics and Climate Protection Minister Mona Neubaur: "The German and North Rhine-Westphalian economies are facing major structural challenges. With the new NRW.BANK.Invest Zukunft programme, we are creating a highly reduced-interest promotional loan with a high repayment discount of up to 20 percent for the first time outside of crisis programmes. Together with the recently launched special guarantee programme "Green Transformation", we are thus igniting an investment turbo for North Rhine-Westphalia and sending a clear signal for the future viability of our business location. With the turnaround in the expansion of renewable energy and the acceleration package for planning and approval procedures, this is a real booster for North Rhine-Westphalia."

NRW.BANK also sees the programme as an important stimulus for the business location. Johanna Antonie Tjaden-Schulte, member of the Managing Board of NRW.BANK responsible for transformation and innovation: "In order to shape the economic future in North Rhine-Westphalia, we need companies that invest in sustainable and digital transformation as well as in innovation. We are actively promoting this with better conditions than ever before through our NRW.BANK.Invest Zukunft programme. In this way, we ensure that change and profitability go hand in hand - and that as many companies in NRW as possible can benefit from this. We are convinced that we are providing an important impetus to accelerate progress in the state."

What is subsidised?

The NRW.BANK.Invest Zukunft programme provides companies with financial support for a very broad range of investments, for example in:

• Renewable energies
• Emission-free mobility
• Digitalisation and AI
• Circular economy
• Innovations
• Efficiency and savings
• Climate and environmental protection
  

NRW.BANK's new programme also supports the introduction and development of innovative business models, products and processes. A simple proof of use is all that is required to utilise the funding - thus reducing bureaucracy to a minimum.

Who can benefit?

All companies in North Rhine-Westphalia can take advantage of the subsidised loans - regardless of their size. Small and medium-sized companies also receive a repayment discount of five, ten or 20 per cent - depending on the investment amount and company size. The maximum loan amount is ten million euros. The highest possible saving for a small company investing ten million euros is two million euros.

Sample calculation:

With a loan amount of 500,000 euros and a term of ten years, a small company can save up to 170,000 euros. The rule of thumb is: the smaller a company is and the more it invests in transformation, the higher the savings on financing costs.

How can I apply for the programme?

Applications for all loans under the new scheme can be made through your usual bank. Further information on the new funding scheme can be found at: www.nrwbank.de/investzukunft.

Are you at the beginning of your company mobility management programme or have you already developed a comprehensive concept? With "mobil gewinnt", the Federal Ministry of Transport (BMV) offers a platform for all aspects of company mobility management for anyone who wants to make a difference. Find out about current funding opportunities in the BMV's "Corporate Mobility Management" funding programme, be inspired by numerous practical examples, gain an insight into ongoing innovation projects, get to know initiatives and players and benefit from opportunities to exchange ideas.

Here you will find information on the initial funding scheme (initial consultation for newcomers; applications for funding may be submitted until 31 December 2026) or on the wider funding scheme (for implementers with initial ideas for corporate mobility management). The deadline for submitting funding applications for both programmes is 31 December 2026. Only SMEs are eligible to apply.

The holistic circular economy (“circular value creation”) plays a central role in the sustainable transformation of the economy and in securing long-term growth opportunities in North Rhine-Westphalia. Through the ‘Circular Economy Partnerships’ funding scheme, the state and the EU are supporting companies in developing circular production and economic models as part of the ERDF/JTF funding programme.

Funding is provided for support services for cooperative alliances of at least five small and medium-sized enterprises (SMEs) along a value chain. The funding enables the cooperating SMEs to commission external service providers for technical and organisational advice on the path to a circular economy.

The service providers work together with the companies for a limited period of up to twenty-four months. In addition to the coordination of an external service provider, the preparation of potential and feasibility analyses as well as other support services for the cooperation are also eligible for funding. Contractors can be, for example, research institutions, business development organisations, associations or consulting firms and others.

A consortium in the form of a civil-law partnership (GbR) consisting of at least five small and medium-sized enterprises (SMEs) that have their registered office or a branch in North Rhine-Westphalia is eligible to apply.

There is no restriction to specific fields of technology or sectors.

Applications can be submitted on an ongoing basis. Please use the counselling service in advance.

Applications for funding are submitted online via the ERDF.NRW online portal.

Contact persons:

Andreas Kunsleben

Efficiency Agency NRW Dr.-Hammacher-Str. 49
47119 Duisburg 0203 37879-30 | aku@efanrw.de

or

Stefanie Weigel

Advice on applications / questions regarding funding eligibility State Office for Nature, Environment and Climate, North Rhine-Westphalia (LANUK)
40208 Düsseldorf

02361 305-6048 | stefanie.weigel@lanuk.nrw.de

or

Carola Pfretzschner

Advice on applications / questions regarding funding eligibility State Office for Nature, Environment and Climate, North Rhine-Westphalia (LANUK)
40208 Düsseldorf

02361 305-2431|carola.pfretzschner@lanuk.nrw.de

The state of North Rhine-Westphalia is helping companies to invest in their future and thus strengthen their competitiveness. Companies that want to switch their manufacturing processes to climate-neutral methods, for example, and thereby reduce emissions, can benefit from a special guarantee from the state in future.

The minimum amount of the loan to be collateralised by this transformation guarantee is two million euros and the maximum amount is 25 million euros.

Guarantees can replace missing loan collateral and thus make it easier for banks to grant loans to companies in North Rhine-Westphalia. The support of a financing bank is therefore an important prerequisite. The new special guarantee combines the existing high financing requirements for climate-neutral transformation projects with the state guarantee instrument. Lower collateralisation requirements, a lower fee and streamlined processes are particularly attractive for companies. Directly enforceable shareholder guarantees are not envisaged.

Interested companies can contact PricewaterhouseCoopers GmbH, the auditing firm commissioned by the state of NRW, for further information. Here you will find information on the NRW Special Guarantee Programme Green Transformation 

With a monthly grant of 1,200 euros over 12 months, the North Rhine-Westphalia state government provides start-up entrepreneurs with a secure financial foundation during the start-up phase. This financial support can be extended by three months following the birth of a child and suspended for up to 12 months whilst the recipient is receiving parental allowance.

The change in the funding programme compared to the previous programme is intended to promote women and families in particular, in order to increase the current share of 24.5 percent of female start-ups.

With the Gründungsstipendium.NRW, a maximum of three founders of a start-up each receive the funding amount.

Anyone in Beckum who is interested can contact Ms Marianne Koschany-Rohbeck (02521 850517, rohbeck@gfw-waf.de at the Warendorf District Economic Development Agency http://www.gfw-waf.de for information on the NRW Start-up Grant.