Thanks for the clarification. So few question about this investment bank and their startup-loans (IB-Gründungsdarlehen).

1) Are those difficult to get? Do you need to put lots of collateral into use?(like putting your personal assets/home as guarantee?)

2) Are the interest rates really in the range of 2.99 to 6.12%? For new company?

3) Is it expected that you personally pay back the full amount if the company fails?