Our promotional programmes are primarily directed at private individuals who want to start self-employment in Germany. The main place of residence has to be in Germany. However, the promotional programmes are also available to individuals who are already self-employed and to small enterprises that were established only recently. Many business founders and young enterprises lack equity. As a result, the path to self-employment is often blocked from the very beginning. Hardly a bank is willing to grant a loan to a borrower who does not have enough equity. New business founders and young enterprises almost always need small loan amounts and more relaxed collateral requirements for their bank loan. This is where KfW can help.