{"id":35839,"date":"2026-07-16T13:45:51","date_gmt":"2026-07-16T11:45:51","guid":{"rendered":"https:\/\/staging.businesscenterbornholm.dk\/?page_id=35839"},"modified":"2026-08-06T08:16:07","modified_gmt":"2026-08-06T06:16:07","slug":"bornholm-business-fund-loan-conditions","status":"publish","type":"page","link":"https:\/\/businesscenterbornholm.dk\/en\/bornholms-erhvervsfond\/bornholms-erhvervsfond-lanevilkar\/","title":{"rendered":"Bornholm Business Fund Loan Terms"},"content":{"rendered":"
Homepage<\/a><\/span><\/span>\n<\/div><\/div><\/div><\/div><\/div>\n\n
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Attractive fixed-rate loans<\/span><\/p>\n<\/div><\/div>\n\n

Loan terms and conditions for Bornholms Erhvervsfond<\/h2>\n<\/div><\/div>\n<\/div>\n\n
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Interest rate<\/strong>
The interest rate on loans is currently 3.50 % per annum. Interest is calculated and paid on 30 June and 31 December each year. Loans for change of ownership and agricultural purposes are granted at a higher interest rate.<\/p>\n

Costs<\/strong>
When a loan is disbursed, an arrangement fee of 0.5% of the principal is charged. The costs of establishing security are borne by the borrower.<\/p>\n

Liquidation<\/strong>
The loan is amortised as a serial loan with half-yearly instalments on 30 June and 31 December, and payment must be made via Betalingsservice.<\/p>\n

The loans are normally exempt from principal repayments for the first two instalments. The term is normally 10 years, but is adjusted to the technical and economic life of the financed assets. In special cases, a term of up to 15 years may be agreed.<\/p>\n

Safety<\/strong>
Security must be provided for the loan. In most cases, a requirement will be set for collateral in the fixed assets for which the loan is granted, e.g., a charge over buildings and\/or plant and machinery and fixtures and fittings.<\/p>\n

As a starting point, a guarantee is also required from the ultimate company owners.<\/p>\n

Other securities may also be considered if appropriate.<\/p>\n

Borrowing limits<\/strong>
There is no fixed loan limit, as the Business Fund\u2019s board of directors carries out a case-by-case assessment of each application. However, the Business Fund may grant loans up to a maximum of 50% of the total investment.<\/p>\n

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The commercial foundation's activities are regulated by the EU<\/h4>\n
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The loan will be granted in accordance with the EU's de minimis regulation, which means that an enterprise may not receive total aid exceeding EUR 300,000 within a period of 3 years.<\/p>\n

Reference is made to Commission Regulation (EU) No 2023\/2831 of 13 December 2023 on the application of Articles 107 and 108 of the Treaty on the Functioning of the European Union to de minimis aid. In accordance with the applicable State aid rules, loans to specific sectors\/projects will have to be granted at an interest rate equivalent to the EU reference rate plus a margin depending on the applicant's rating, etc. (OJ C 14\/6 Communication from the Commission on the revision of the method for setting the reference and discount rates, (2008\/C 14\/02)).<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n

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CONTACT<\/p>\n<\/div><\/div>\n\n

If you have any questions, you are always
Please feel free to contact us.<\/p>\n<\/div><\/div>\n\n

Use the contact details below or send an email to sikkermail-bef@bornholm.biz<\/a><\/p>\n<\/div><\/div>\n\n

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\"Henrik<\/span><\/div>\n\n
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Henrik Kofod<\/p>\n<\/div><\/div>\n\n

<\/div>\n\n\uf0e0<\/span>hk@bornholm.biz<\/span><\/span><\/a>\n\n\ue090<\/span>21 64 52 81<\/span><\/span><\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n
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Get help from the fund administrator<\/p>\n<\/div><\/div>\n\n

Would you like any further help?<\/h2>\n<\/div><\/div>\n<\/div>\n\n

Do you need brainstorming and guidance on the options for applying for funding to realise your development plans and create growth in your business? Contact fund administrator Henrik Kofod for a no-obligation chat about your options.<\/p>\n<\/div><\/div>\n\n

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\"Henrik<\/span><\/div>\n\n
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Henrik Kofod<\/p>\n<\/div><\/div>\n\n

Fund administrator<\/p>\n<\/div><\/div>\n\n\uf0e0<\/span>hk@bornholm.biz<\/span><\/span><\/a>\n\n\ue090<\/span>21 64 52 81<\/span><\/span><\/a>\n\n

\uf08c<\/span><\/a><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n
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<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":25,"featured_media":0,"parent":35808,"menu_order":33,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"page_tag":[],"bolt_search_tag":[],"class_list":["post-35839","page","type-page","status-publish","hentry"],"acf":[],"_wp_attachment_image_alt":null,"_eventvenueid":null,"_eventorganizerid":null,"_wp_attached_file":null,"_wp_attachment_metadata":null,"wp-smush-lossy":null,"wp-smpro-smush-data":null,"_wp_attachment_backup_sizes":null,"_wp_attachment_context":null,"_oembed_96f291dc4b54ff43fbaad1d8b7a003be":null,"smush-complete":null,"smush-info":null,"original-file":null,"smush-stats":null,"wp-smush-ignore-bulk":null,"dsm_upload_gallery_custom_link_url":null,"dsm_upload_gallery_link_url_target":null,"wp-smush-error":null,"olh_navn":null,"olh_titel":null,"olh_id":null,"olh_bio":null,"_et_pb_project_nav":null,"_yoast_wpseo_primary_project_category":null,"_olh_navn":null,"_olh_titel":null,"_olh_id":null,"kontaktperson":null,"_kort_beskrivelse":null,"_link_til_ekstern":null,"link_til_ekstern":null,"_link_til_info":null,"_event_status":null,"_event_thema":null,"_slut_tid":null,"_morgenmad":null,"_arrangor":null,"_tilmeld_event_link":null,"arrangor":null,"tilmeld_event_link":null,"kort_beskrivelse":null,"event_status":null,"morgenmad":null,"kategori":null,"_kategori":null,"yoast_head":"\nBornholms Erhvervsfond L\u00e5nevilk\u00e5r - 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