Business Loan & Credit & Startup Funding Consulting

in Germany

Rizing helps founders and small businesses in Germany apply for public business loans from the IBB and KfW, including IBB Berlin Start, the IBB Mikrokredit and KfW StartGeld.

Book a quick call to see if you are eligible

Who this is for?

Founders starting a business in Berlin who need between €5,000 and €1.5 million

  • International founders and freelancers who find German forms and bank meetings hard to navigate

  • Small businesses up to 7 years old planning an investment, an expansion or a new location

  • Buyers taking over an existing business

  • Founders on ALG I or Grundsicherungsgeld who want to combine a loan with the Gründungszuschuss or Einstiegsgeld

What we help with

Get Started

  • Choosing the right programme: IBB Berlin Start, IBB Mikrokredit, KfW ERP-Gründerkredit StartGeld or KfW ERP-Förderkredit KMU, based on your amount, your company's age and whether a bank will back you

  • Business plan and financial forecast: a 3-year forecast, liquidity plan and capital requirement that lenders can check quickly

  • Application documents: German documents ready for your bank or the IBB, with the key figures explained to you in English

  • Interview preparation: the questions banks and the IBB ask about your experience, your market and your numbers

  • Combining support: loans together with the Gründungszuschuss, Einstiegsgeld or a Bürgschaftsbank Berlin guarantee

  • Business takeovers: purchase price, due diligence and how to finance the deal

How it works

  1. Free 20-minute call. Your project, how much you need, and which programmes fit.

  2. Funding check. We confirm eligibility and timing, including what you must not sign before applying.

  3. Plan and forecast. We build or review your business plan and financial forecast together.

  4. Application. We prepare the documents for your bank or the IBB.

  5. Interview and decision. We prepare you for the lender's questions and help with follow-up requests.

Learn More

Why work with Rizing

  • Bilingual: we work in English, German and Mandarin.

  • Hands-on: we build the plan and forecast with you, not just review them.

  • Founder experience: Irene Yu is a founder herself and an AVGS-certified founder coach. Through AVGS-funded founder coaching (Gründungscoaching), she has helped clients with business plans, Gründungszuschuss applications and business acquisitions.

Check if I am eligible?

FAQs

  • No. The bank, the IBB or the KfW decides. We make sure your application is complete, consistent and convincing.

  • For up to €50,000 without a bank, usually the IBB Mikrokredit. For larger amounts with a bank, KfW StartGeld (up to €200,000) or IBB Berlin Start (up to €1.5 million).

  • If you are registered with the Agentur für Arbeit or Jobcenter and your caseworker approves founder coaching, yes. We help you request the voucher.

  • Yes, online. KfW programmes are available across Germany; IBB programmes need a Berlin business location.

  • Nothing formal. A rough idea of your costs and timeline helps.

  • No. We work with you in English and prepare the German documents the lenders need.