Microloan for Side Businessin Germany 2026
Starting a small business as a side hustle? The Mikrokreditfonds Deutschland offers loans from 1,000 to 25,000 euros - even for founders without access to traditional bank loans.
Important: Staged Loan Disbursement
The Mikrokreditfonds disburses loans in stages. You typically start with 1,000-5,000 euros. Only after successful repayments can you apply for higher amounts up to 25,000 euros. A viable business concept is mandatory - a mere idea is not enough.
How the Microloan Works
Loan amounts increase in stages - from small to large
Starter Loan
1,000 - 5,000 euros
First loan for new applicants
Growth Loan
5,000 - 10,000 euros
After successful repayment
Expansion Loan
10,000 - 25,000 euros
With established credit history
Current Conditions 2026
Loan Amount
1,000 - 25,000 euros
Interest Rate
8.1% p.a.
Closing Fee
130 euros
Term
Up to 4 years
Key German Terms for Small Business Loans
Understanding these terms will help you navigate the loan process
Requirements for the Microloan
What you need for a successful application
Capital Need
Proof that the need cannot be covered from your own resources
Viable Concept
Convincing business idea with a realistic plan - not just an idea
Business Registration
Registered Kleingewerbe or side business in Germany
German Bank Account
Business account at a German bank for disbursement and repayment
Side Business (Nebenerwerb): What You Need to Know
About one-third of all business startups in Germany are side businesses. Funding is more restricted since most programs are designed for full-time self-employment.
Compare Loan Offers
Besides the Mikrokreditfonds, personal installment loans may also be an option for your small business. Free comparison, no obligation.
Alternative Financing Options
The Mikrokreditfonds is not your only option
Personal Installment Loans
With good creditworthiness, often lower interest rates than the Mikrokreditfonds. Faster disbursement possible.
To loan comparisonKfW Startup Loan
For larger investments from 25,000 euros. Applied for through your house bank.
External websiteFrequently Asked Questions
What is the Mikrokreditfonds Deutschland?
A federal program for small loans of 1,000-25,000 euros, specifically for small businesses without access to bank loans.
Can I get a microloan for my side business?
Yes, with a viable business concept. Funding is more restricted than for full-time self-employment.
What are the interest rates?
8.1% interest rate plus 130 euro closing fee. Term up to 4 years.
What alternatives exist?
Personal installment loans, KfW startup loans, or bank loans with a guarantor.
We work with partners including Tarifcheck. This comparison is free and non-binding. Last updated: February 2026. This is not financial advice. The Mikrokreditfonds Deutschland is a federal program - no legal entitlement to funding.
Find Financing for Your Small Business
Compare loan offers - personal installment loans can also be a good alternative to the Mikrokreditfonds.