Saxony
Digitalisation grant ERDF 2021–2027 (FRL Digi-Z)
Official name: Digitalisierung Zuschuss EFRE 2021 bis 2027 (FRL Digi-Z) · SMWA / Sächsische Aufbaubank (SAB)
Grant for digitalisation projects: external services for planning/design/implementation, necessary hardware and software (incl. rental/SaaS with min. 24 months), introduction incl. training (max. 20%). Plus 7% flat rate for indirect costs.
Introductory level (Heranführung) up to 60%; transformation micro/small enterprises up to 50%, medium-sized up to 35%; +10 percentage points with collective bargaining · Eligible direct expenditure max. €10,000 (Heranführung), €60,000 (transformation, small), €100,000 (transformation, medium-sized); minimum expenditure €5,000
Suits: Automation, Software and apps, Online shop, Website, IT security, Cloud, Training, Social media, Strategy, Trade fair presence
- Apply in the SAB funding portal BEFORE the project starts; start only after confirmation of receipt by email (signing a contract/down payment counts as start)
- Clearly justify the improvement in digitalisation level (target vs. current state)
- No links (Verflechtung) between applicant and service provider
Note: Most important Saxon programme for agency implementation services, but currently closed for clients in eastern Saxony/Dresden/Chemnitz.
Status: Partially stopped: applications closed since 17 July 2026 for the entire transition region; applications only possible in the City of Leipzig and the districts of Leipzig and Nordsachsen
Checked: 13 October 2026Programme page ↗
Saxony
Digitalisation loan (Digi-D) – FRL loans for SMEs (Mittelstand)
Official name: Digitalisierungsdarlehen (Digi-D) – FRL Darlehen für den Mittelstand · SMWA / SAB
Low-interest loan for digital transformation: external services (planning, design, implementation), hardware/software, introduction incl. training; also production machinery with integrated software
Up to 100% of eligible expenditure (young small enterprises), up to 70% (established/medium-sized); interest 1.5% p.a. (JTF regions) or 2.5% p.a.; term up to 6 years, 1 year repayment-free · €30,000 to €250,000 per project
Suits: Automation, Software and apps, Online shop, Website, IT security, Cloud, Training
- Apply BEFORE the project starts (funding portal, later via your bank)
- Improvement of digitalisation level/digitalisation of complex processes/new business models
- Not eligible: online marketing, basic ICT equipment, phones/smartphones, staff
Note: Loan, not a grant. The €30,000 minimum volume makes it more relevant for larger shop/software/automation projects. Online marketing (SEO/SEA/social ads) explicitly excluded.
Status: Running
Checked: 13 October 2026Programme page ↗
Saxonyplease verify
Market launch loan (MEP-D) – FRL loans for SMEs (Mittelstand)
Official name: Markteinführungsdarlehen (MEP-D) – FRL Darlehen für den Mittelstand · SMWA / SAB
Low-interest loan for market launch: materials, staff, external services, fixed assets, other operating expenses
Up to 100% (young small enterprises) or 80% (established/medium-sized); interest 1.5% (JTF) or 2.5% p.a.; term up to 8 years, max. 2 years repayment-free · €30,000 to €500,000 per project
Suits: Strategy, Brand and logo, Website, Print, Trade fair presence, Film and photo, Social media, SEO and online marketing
- Innovation through own ideas or R&D
- Apply before the project starts
- No collateral; De-minimis/AGVO
Note: Loan, not a grant. Clarify with SAB beforehand whether advertising services (campaign, film, print, ads) are recognised as external services or other operating expenses.
Status: Running
Checked: 13 October 2026Programme page ↗
Saxonyplease verify
Short consultation via chambers/associations (part of FRL Beratungsförderung)
Official name: Kurzberatung über Kammern/Verbände (Teil der FRL Beratungsförderung) · SMWA / SAB (funding goes to chambers and associations)
The chambers' consultants are funded; free or low-cost initial/short consultation for companies (< 5 consultant days)
Funding goes to the chamber (e.g. €250 per consultant day); usually free of charge for companies · Not applicable
Suits: Consulting, Strategy
- Consulting is provided by chamber/association consultants, not by independent agencies
Note: No grant for agency services, but a good free starting point (e.g. HWK business consultants for craft businesses).
Status: Guideline valid until 31 December 2026
Checked: 13 October 2026Programme page ↗
Saxonyplease verify
ERDF/JTF technology funding – InnoPrämie 2021–2027
Official name: EFRE/JTF-Technologieförderung – InnoPrämie 2021 bis 2027 · SMWA / SAB
Grant for external R&D services to develop new/improved products, processes, services: incl. market and technology research, feasibility studies, engineering and DESIGN SERVICES, product tests, preparation for certification.
50% of eligible expenditure · Max. €40,000 per calendar year, up to 2 InnoPrämien per year; project duration usually max. 6 months
Suits: Strategy, Software and apps
- Apply in the SAB funding portal; starting from receipt of application at own risk permitted
- Service provider must not be affiliated/related; private-sector providers permitted
- Not eligible: purchase of hardware/software, internal costs, sales and advertising, IP fees
Note: Only for innovation-related, R&D-type services (product/service innovation). Product design and market research fit; corporate design, advertising, websites usually not.
Status: Running
Checked: 13 October 2026Programme page ↗
Saxony
ESF Plus – funding for start-up consulting (FRL GRB)
Official name: ESF Plus – Förderung von Gründungsberatungen (FRL GRB) · SMWA / SAB
Grant (fixed amount per consultant day) for pre-start-up consulting by self-employed consultants, incl. market development, market analysis, sales and marketing concept, strategy, financing
Fixed amount €400/consultant day (new business, max. 5 days) or €500/consultant day (succession, max. 10 days) · €2,000 (new business) or €5,000 (succession)
Suits: Strategy, Consulting
- Company not yet founded, consulting contract not yet signed
- Proof of relevant prior qualification for the start-up
- Min. 2 consultant days; consulting usually within 6 months of the approval notice
Note: Marketing/brand strategy consulting for founders possible if the agency acts as a self-employed consultant; implementation (logo, website) not.
Status: Running; technical application freeze in the funding portal from 14 October to 11 November 2026
Checked: 13 October 2026Programme page ↗
Saxonyplease verify
Micro-loan (MKD) – FRL loans for SMEs (Mittelstand)
Official name: Mikrodarlehen (MKD) – FRL Darlehen für den Mittelstand · SMWA / SAB
Loan for investments and working capital to start/consolidate self-employment
Up to 80% of expenditure; interest currently 2% p.a.; up to 6 yrs, 1 yr repayment-free; 20% own contribution · €5,000 to €30,000
Suits: Brand and logo, Website, Online shop, Print, Social media, SEO and online marketing, Film and photo, Trade fair presence, Software and apps, Web hosting
- Viable business concept, professional/commercial qualification
- No collateral
- Start-up consulting itself cannot be financed
Note: Loan. Broadly usable, including for working capital; SAB explicitly mentions a professional presence in one of its case studies. Clarify with SAB beforehand which individual items are recognised.
Status: Running
Checked: 13 October 2026Programme page ↗
Saxonyplease verify
Free consulting: Regional Future Centre Saxony (Zukunftszentrum), DiAS AI consultation hour, IHK/HWK
Official name: Kostenfreie Beratung: Regionales Zukunftszentrum Sachsen, DiAS KI-Sprechstunde, IHK/HWK · BMAS/ESF Plus (Zukunftszentrum), Wirtschaftsförderung Sachsen/Digitalagentur Sachsen (DiAS), chambers
Free, vendor-neutral consulting on digitalisation, processes, AI, skills development (Zukunftszentrum up to 5 days of in-depth consulting)
100% free of charge · —
Suits: Consulting, Automation, Training
- No subsidy for external agency services
Note: Partly replaces the expired Mittelstand-Digital Zentrum Chemnitz (funding ended 31 August 2026). Useful as a preliminary step to prepare funding applications (Digi-Z, INQA).
Status: Ongoing
Checked: 13 October 2026Programme page ↗