A small ethical bank with no cohousing product. Useful for a household or for a group’s operating entity, not for buying a building. Listed here so groups stop looking.
- Geschäftskredit: for kleine und mittlere Unternehmen, Selbstständige, Freiberufler und gemeinnützige Organisationen holding a Geschäftskonto at the bank. €10,000–€500,000, term up to 96 months, Zinsbindung max 10 years, no Bearbeitungsgebühr, 100 % Auszahlung, no Vorfälligkeitsentschädigung; Schnellkredit up to €100,000 quoted at 6.40 % p.a., decision in ~10 working days. A 96-month maximum term makes this unusable as property finance.
- Baufinanzierung (Privatkunden) with an Ökobonus / three-stage Förderbonus, plus ÖkoKredit, Tiny-House-Kredit and FAIRbraucherkredit. Household-level only.
- Betriebsmittelkredit and Avalkredit round out the business range.
- No Wohnprojekt line: the bank’s own Kredite index lists no communal-housing, Genossenschafts- or Baugruppen product. Whether the parent Volksbank Eisenberg eG would take a project on as Hausbank is a separate conversation.
- Open question (not a fact): the €500,000 cap and 96-month term are the published Geschäftskredit limits; whether a larger, longer-dated project loan is possible via the parent Volksbank is not documented.
Related
- gls-bank-financing, umweltbank-financing — the lenders that do finance group projects
- sparkassen-volksbanken-financing — the regional Genossenschaftsbank route this bank belongs to
- kd-bank-financing — the other niche value-based lender