Funding knowledge, made practical.
Deep-dive explainers on every program we run, who qualifies, what is covered and how to apply. Written from first-hand application experience: by founders who claimed these programmes for their previous companies themselves.
Guides across every program
New explainers added regularly. Looking for news and deadlines? See the blog.
German programs
The Research Allowance, explained
Cash back on R&D for any company taxed in Germany.
Read more → Research AllowanceThe Forschungszulage in the tax return
Where the allowance goes in the return, how it is set off against the tax liability and when the surplus is paid out in cash.
Read more → ZIMZIM for SME innovation
Grants for market-oriented R&D, solo or in cooperation.
Read more → GRWGRW investment grants
Funding tied to jobs in Germany’s assisted areas.
Read more → WIPANOWIPANO for patents
Up to 50% of patenting costs for IP newcomers.
Read more → BAFA EEWBAFA EEW energy efficiency
Up to 60% for efficiency measures, grant or loan.
Read more → KMU-innovativKMU-innovativ high-risk R&D
Up to 60% for SMEs in key technology fields.
Read more → KfWKfW innovation loans
Low-interest finance with liability relief for your bank.
Read more → EXISTEXIST for spin-offs
Stipends and coaching for research-based founders.
Read more →European programs
EIC Accelerator deep dive
Grant up to €2.5m plus equity up to €10m.
Read more → EurostarsEurostars international R&D
~50% in Germany for cross-border SME projects.
Read more → Horizon EuropeHorizon Europe explained
70–100% for collaborative R&I consortia.
Read more → EU Innovation FundEU Innovation Fund
Up to 60% for first-of-a-kind clean tech.
Read more →Four rules that apply to almost every programme
The programmes differ in size, target group and procedure — but four rules hold almost everywhere. Knowing them avoids the mistakes that cost a grant after the fact.
1. Do not start before the decision is in
Starting early is the most common reason a grant falls away afterwards. What counts as the start is the first binding order or signed contract — not the day work begins. If you have to start sooner, you apply for consent to an early start beforehand; it is not automatic and it grants no claim to the funding itself. The Forschungszulage is the exception: it is claimed retroactively for a financial year that has already ended.
2. A grant is not an entitlement
Almost every programme on this page is a competitive procedure: a review panel decides, and a clean application can still be turned down. The Forschungszulage is the one exception — it is a legal entitlement under the Research Allowance Act, and the only question is whether the project meets the criteria. That changes how you plan: a competitive programme needs a plan B, the Forschungszulage does not.
3. You almost always co-fund
Almost no programme carries the cost alone — the exception is Horizon Europe, where Research and Innovation Actions reach 100 percent of eligible costs. Otherwise rates run from 10 percent (BAFA EEW modules) to 70 percent, and they always apply to the eligible costs, never to the project budget. Whatever is not eligible — sales, marketing, and usually overheads beyond a flat rate — you carry in full. Put your own share into the cash planning before you apply, not after the decision arrives.
4. Programmes combine, but never twice on the same cost
Combining is allowed and often sensible — a ZIM project and the Forschungszulage do not rule each other out. What is forbidden is funding the same cost item twice: a person-month already billed to a grant must not go into the Forschungszulage as well. On top of that sits the de minimis ceiling of EUR 300,000 over three tax years for the programmes that run under it.
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