Beteiligungsoffensive KMU
Financing for SMEs: Working Together to Build Resilience
Across the finish line!
There are situations where you’re just one or two steps away from the finish line. Does that sound familiar? A product is almost finished—all that’s left is the finishing touches. The machinery is state-of-the-art, if only there weren’t that one machine missing. If only the sales team had one more energetic employee or one more dedicated team member, revenue would increase significantly. Implementation often falls through due to a lack of financing for SMEs—traditional financing channels fail or aren’t enough. Do what dozens of local businesses have done before you: Bring the SFG on board as a silent partner for your project. The SFG is already involved with over 30 companies in Styria across many industries and regions. What is a silent partnership? Read more details about silent partnerships here.
Still waters run deep
The key points of our financing for SMEs at a glance: SFG can contribute up to 250,000 euros as a silent partnership. Repayment is made according to an agreed repayment schedule. The company’s ownership structure remains unchanged. And very importantly: A silent partnership is considered economic equity, thereby improving creditworthiness and providing greater flexibility for additional financing. In addition, we support you in strategic decisions and business management matters.
What does this cost you? SFG receives a fixed profit share of 2.5 percent per annum. In the event of a positive annual result, an additional profit share of 1 percent per annum is added. The investment is granted on a de minimis basis. Aid granted under the de minimis regulation is aid that, under certain conditions, is not subject to the notification procedure with the European Commission, as the amount threshold ensures that neither competition nor trade between Member States is affected. And what do we expect from you and your company? A stable financial situation, a clear business strategy, and sufficient technical and business expertise. Pick up the phone—we’d be happy to sit down with you.
- For whom?
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- small and medium-sized enterprises in the industrial and commercial sectors, service companies, and retail businesses
- companies with headquarters or a place of business in Styria
- Companies subject to accounting requirements that have an established business model with positive operating results and a positive trend.
- For whom not?
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- companies that are not established in the market
- large companies
- For what?
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- investments
- expenses for the implementation of research and development projects
- market development
- working capital requirements in relation to company growth
- For what not?
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- turnarounds, restructurings
- How much?
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- up to twice the adjusted book equity, or a maximum of 250,000 euros, as a silent partnership
- Important hints
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- Funding for the project must be secured.
- Business collateral is not required; the shareholders provide a personal guarantee.
Funding process
- advise
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You’re planning a project. Pick up the phone and ask our experts whether the SFG can help fund the project. We’d be happy to set aside time for a personal consultation and an initial analysis of your business plan.
- apply for
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Submit your application online through our portal!
Important: Submit your application before you begin your project!
- Review the application
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We’ll take a close look at your project and business plan and, if appropriate, draw up a term sheet.
- Approve the financing
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If we are able to assist you with financing, the terms and conditions will be set forth in a contract.
- Start Project
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Now it’s your turn: You can begin implementing the project.
Keep the SFG informed of your financial progress through management reports.Important: We’re here to help if you need support with strategic or business management issues.
- Disburse the financing
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The financing agreement specifies the conditions for the disbursement of the financing—usually in several milestone-based installments. Once the conditions are met, we will transfer the funds to your account.
- Repay the loan
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After an agreed grace period, repayments are made over a maximum period of 10 years according to a contractually specified repayment schedule.
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