Nuremberg-based green bank, the second serious address after GLS for a German group project — and the bank Triodos now points its German customers to.
- What it finances (own listing): Mietwohnprojekte, Baugemeinschaften, Studierendenwohnprojekte, Bildung und Erziehung, Gewerbeimmobilien and Investorenprojekte. So both a rental-model group entity and a Baugemeinschaft are inside the stated scope.
- Gate: every request runs through the bank’s own UmweltRating — “Alle angefragten Baufinanzierungsvorhaben durchlaufen unser eigens entwickeltes UmweltRating”. Ecological quality is a credit condition, not a discount.
- Path: direct enquiry to the Immobilien team (the bank publishes a dedicated phone line), not a branch network. As a normal Hausbank it can also pass through KfW money (kfw-261, kfw-297-298) and state Förderdarlehen.
- No published terms. UmweltBank publishes no minimum/maximum loan size, no LTV band, no equity ratio and no interest table for project finance. Everything is quoted case by case.
Related
- gls-bank-financing — the comparable ethical lender with a published Wohnprojekte desk
- triodos-bank-financing — exiting Germany, names UmweltBank as the alternative
- gbr-baugemeinschaft — the group form it names outright
- kfw-261, kfw-297-298 — programme money it can pass through as Hausbank
Detail
- Open question (not a fact): whether UmweltBank accepts Nachrangdarlehen as an equity substitute is not stated publicly. Ask before assuming; the Syndikat practice is evidenced with other lenders, not with this one.
- Open question (not a fact): whether an eG or e.V. is explicitly eligible is not spelled out — the site describes project types, not borrower legal forms.