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1. Key vocabulary for funding applications
| Word (German term) | Meaning (English) |
|---|---|
| Finanzierung | Financing / provision of capital |
| Fördermittel | Public funding / government subsidies |
| Eigenkapital | Equity / own capital invested by the founder |
| Fremdkapital | External capital, e.g. bank loans |
| Kreditwürdigkeit | Creditworthiness / ability to repay loans reliably |
| Bonität | Financial standing / credit rating |
| Bürgschaft | Financial guarantee / suretyship by a third party |
| Tilgung | Repayment of a loan (reduction of principal) |
| Zinssatz | Interest rate (in percent) |
| Förderprogramm | Financial support programme (often public) |
| Gründungszuschuss | Start-up grant from the Employment Agency (Agentur für Arbeit) |
| Businessplan | Business plan (concept + financial planning) |
2. Terms found in financing documents
| Word (German) | Meaning (English) |
|---|---|
| Liquiditätsplan | Cash-flow plan / liquidity planning |
| Rentabilitätsvorschau | Profitability forecast |
| Kostenstruktur | Cost structure of the business |
| Umsatzprognose | Revenue / sales forecast |
| Investitionsplan | Investment plan / schedule of planned purchases |
| Nachweis | Proof / supporting document |
| Antragsunterlagen | Application documents / full application file |
| Gesellschaftervertrag | Partnership / shareholders’ agreement |
| Handelsregisterauszug | Excerpt from the commercial register |
| Selbstauskunft | Self-disclosure on income, assets and debts |
3. Phrases for meetings with a bank or IHK
| German phrase | English meaning |
|---|---|
| Ich möchte ein Förderdarlehen beantragen. | I would like to apply for a subsidised loan. |
| Welche Voraussetzungen gelten für Gründer? | What are the requirements for start-up founders? |
| Gibt es Programme mit Tilgungszuschuss? | Are there any programmes that include repayment grants? |
| Mein Eigenkapital beträgt … Euro. | My equity amounts to … euros. |
| Ich habe bereits einen geprüften Businessplan. | I already have a business plan that has been reviewed. |
| Wie läuft das Antragsverfahren ab? | How does the application process work? |
| Welche Unterlagen werden benötigt? | Which documents are required? |
| Ich strebe eine Finanzierung über die KfW an. | I am aiming for financing via KfW. |
The editorial team of this website aims to provide accurate information based on thorough research and multiple sources. However, errors may occur or some details may not be fully verified. The information presented here should therefore be regarded as an initial, non-binding guide. For binding and legally reliable advice, please contact the competent authorities or qualified professionals.
