Working in Germany: the official website
for qualified professionals


Have you worked out how much capital you need for your business idea? Now you need to raise it.

Equity is the financial cornerstone of your business. It is composed of your personal wealth in the form of cash or saved money as well as objects such as machines or equipment you will use for your business. Even though equity is sometimes called own capital, the wealth of third parties can also be part of a company’s equity, for example if you borrow money from relatives.

As a rule, the more financial resources you own, the more independent you will be. Banks will use equity as a security. Ideally, equity should amount to at least 20 percent of the overall capital. Surveys have indicated that “insufficient securities” and “lack of equity” are the most important reasons for banks to turn down a credit application.

Information on the internet

Exist – University-based business startups

Find out about available support for technological and knowledge-based startups (German, English)

BMWi Overview no. 14: Applying for loans

What documentation do you need? (English)

BMWi GründerZeiten no. 28: Start-ups: Financing and venture capital

Information on grants, loans, guarantees, equity and expertise (PDF) (English)

BMWi Overview no. 25: Discussions with your bank

Prepare yourself for your discussions with your bank(German, English)

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Funding Database 

Step by step towards the right funding programme(German)

BMWi GründerZeiten no. 13: Krisenmanagement (crisis management)

How to overcome a crisis The answer is available here(PDF) (German)

BMWi GründerZeiten no. 14: Sicherheiten - Bürgschaften – Rating (securities – guarantees – rating)

Important information on securities and guarantees for obtaining loans (PDF) (German)

BMWi GründerZeiten no. 6: Existenzgründungsfinanzierung (funding your startup)

Finding the right financial support for your startup plans. Here, you can get an overview and learn about some important tips and tricks (PDF) (German)


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