FounderNavi – for founders and young companies

Photo: © HwK Koblenz

Koblenz Chamber of Crafts | July 2026

The theatre group is delighted with the new seating.

In front of the "Altes Wasserwerk" cultural stage, the chairwoman of the TheaterKultur Kaisersesch association, Maria Oster, recently received two completely refurbished beer tent sets.

Photo: © Michael Jordan

Koblenz Chamber of Crafts | July 2026

A scholarship to reach your career goal

Apply by August 10th and write your own success story with a further education scholarship like goldsmith and silversmith Sophie Ropertz.

Photo: © Michael Jordan

Koblenz Chamber of Crafts | July 2026

"Right to repair": a strong signal and valuable message for the trades.

The law promoting the repair of goods passed the Bundesrat (Federal Council) on July 10, 2026. The law transposes the EU directive into national law and is scheduled to come into force on July 31 for most purchase contracts concluded from the end of July 2026 onwards. Kurt Krautscheid, President of the Koblenz Chamber of Skilled Crafts, comments on the new "right to repair".

Photo: © domenicogelermo/123RF.com

Chamber of Crafts Münster | July 2026

The Competence Center invites you to the 4th Women's Business Day.

The 4th Westphalian Women's Business Day will take place on Tuesday, September 8th, starting at 18 pm at the LWL Museum of Art and Culture in Münster.

Photo: © scyther5/123RF.com

Craft policy | July 2026

Free online seminars on cybersecurity

The seven chambers of crafts in North Rhine-Westphalia and the WHKT are organizing the two-part online event "Cybersecurity in crafts - Cybercrime and AI: Attack and defense" on November 18th and 25th.

Photo: © Karl-Heinz Spremberg/123RF.com

Operations management | July 2026

No accommodation for construction workers in the residential building

Operating accommodation for construction workers in a residential building is not permitted without a permit. This was decided by the Neustadt/Weinstraße Administrative Court.

Photo: © auremar/123RF.com

Operations management | July 2026

The Federal Training Assistance Act (BAföG) for advanced training is being expanded.

The German government plans to expand the "Aufstiegs-BAföG" (a government-funded student loan program for advanced vocational training). The Central Association of German Crafts sees room for improvement, especially regarding specializations and bureaucracy.

Photo: © F. ENGEL K/S

Operations management | July 2026

Take-back concept for used workwear

Engel is introducing a take-back system for used work and business clothing in Germany. The system includes collection, sorting, recycling, and further processing of used textiles.

Photo: © scyther5/123RF.com

Craft policy | July 2026

Free online seminars on cybersecurity

The seven chambers of crafts in North Rhine-Westphalia and the WHKT are organizing the two-part online event "Cybersecurity in crafts - Cybercrime and AI: Attack and defense" on November 18th and 25th.

Photo: © auremar/123RF.com

Operations management | July 2026

The Federal Training Assistance Act (BAföG) for advanced training is being expanded.

The German government plans to expand the "Aufstiegs-BAföG" (a government-funded student loan program for advanced vocational training). The Central Association of German Crafts sees room for improvement, especially regarding specializations and bureaucracy.

Photo: © Jürgen Fälchle/123RF.com

Craft policy | July 2026

Do not raise the CO₂ price further

The German Association of Motor Trades and Repairs (ZDK) is calling on the federal government to keep fuel prices stable. To this end, it should refrain from increasing the CO₂ price in order to relieve the burden on consumers.

Photo: © Andrea de Martin/123RF.com

Craft policy | July 2026

Federal Cabinet approves second relief package

The German government has launched further measures to reduce bureaucracy. The second relief package includes projects with a total savings volume of approximately 600 million euros.

Photo: © Peugeot

Pkw | July 2026

Stylish fastback – the Peugeot 408

The new Peugeot 408 combines elegant design with modern powertrains and focuses on efficiency, connectivity and comfort.

Photo: © Geely

Pkw | July 2026

How Geely plans to conquer the German market

The name Geely rarely receives much attention, but its brands certainly do. The Chinese company has long since established itself in the European automotive world with brands like Volvo, Polestar, and Lotus. Now, Geely is competing under its own banner for the first time.

Photo: © Subaru

electric drives | July 2026

Uncharted: Subaru's first all-electric SUV

With the Uncharted, Subaru presents its first all-electric compact SUV, offering various drive options and long ranges.

Photo: © KD Busch/SWAV

Panorama | July 2026

Opticians: Graduation ceremony with the Prime Minister

Sixty opticians from Rhineland-Palatinate and Saarland received their journeyman's certificates. Minister-President Gordon Schnieder offered his personal congratulations.

Photo: © Universum Verlag/Urbanfilm, Niehoff

Society | July 2026

Vocational school classes awarded for creative ideas against violence

The trainee prevention program "Youth Wants to Live Safely" has recognized vocational school students for their creative ideas against violence. This year's motto was "Violence-free? I'm in!".

Photo: © Krombacher Brewery

Panorama | July 2026

Reforestation of forests to preserve drinking water

Only a healthy, green forest can ensure a balanced water supply. However, persistently high temperatures and drought are currently putting forests under pressure. Since water is an essential source of life, Krombacher supports the preservation of stable forests with a large-scale reforestation program.

Photo: © Mascot

Workwear: How to dress correctly | July 2026

Shop workwear smartly

It's fast and saves resources and money: Mascot has been relying on a digital procurement solution with the Mascot Smartstore for many years.

Photo: © Hardy Mann, BESH/Messe Stuttgart

Trade fairs for the craft industry | July 2026

Süffa with three focus topics at the pulse of the meat industry

Süffa will present new approaches to rationalization, sales optimization and smart solutions in the butcher's trade from November 7th to 9th, 2026 at the Stuttgart trade fair grounds.

Photo: © flynt/123RF.com

Interesting competitions for craftsmen | July 2026

Corporate award from "Vocational Training Without Borders"

Craft businesses and companies that offer their trainees and young professionals the opportunity to spend time abroad can apply for the "Vocational Training Without Borders" company award.

Photo: © seventyfour74/123RF.com

FounderNavi – for founders and young companies | July 2026

Growing as a team – healthy and successful

New talent invigorates the daily work routine and opens up opportunities – but at the same time, the coordination effort increases. Because the larger the team becomes, the more complex the internal processes become.

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Photo: © Verlagsanstalt Handwerk

Photo: © Verlagsanstalt Handwerk

FounderNavi – for founders and young companies Theme specials

The FounderNavi helps young companies to identify problems early on and to get the company back on track with the appropriate measures.

Photo: © seventyfour74/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2026

Growing as a team – healthy and successful

New talent invigorates the daily work routine and opens up opportunities – but at the same time, the coordination effort increases. Because the larger the team becomes, the more complex the internal processes become.

Photo: © DATEV eG

FounderNavi – for founders and young companies - Theme specials | July 2026

Get started with AI inside

Control over business processes and data from the start: Fully digital and supported by artificial intelligence.

Photo: © stylephotographs/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2026

The advisory network of the Chambers of Crafts and Trade Associations

Did you know? Chambers of Skilled Crafts and trade associations offer free consulting services nationwide. Whether in the start-up or stabilization phase, or during periods of expansion, their network of highly qualified consultants provides skilled tradespeople with advice and practical support.

Photo: © Dresden Chamber of Skilled Crafts/André Wirsig

FounderNavi – for founders and young companies - Theme specials | July 2026

Founding and acquisition: Your courage counts for the future

Overconfidence is beneficial: Why courage is important for start-ups and takeovers in the skilled trades – and how entrepreneurs can actively shape change. Guest article by ZDH President Jörg Dittrich.

Photo: © Hessian Founders' Prize/Melina Johannsen

FounderNavi – for founders and young companies - Theme specials | February 2026

The 24th Hessian Founders' Prize was announced in Offenbach.

Winners will receive a company video, professional training, attention, and high-quality network contacts.

Photo: © NRW.BANK

FounderNavi – for founders and young companies - Theme specials | December 2025

The NRW Start-up Prize goes to Prinoa Dental, Glowkitchen and Schreinerwehr

The three winners of "Courage - the NRW Start-up Prize" have been selected: The winners are focusing on digitalization in dental technology, climate-friendly wooden facades, and vegan banana bread. The prize is endowed with a total of 60.000 euros.

Photo: © liewei12/123RF.com

FounderNavi – for founders and young companies - Theme specials | December 2025

Favorable interest rates for startups: KfW improves conditions

KfW has increased the ERP Start-up Loan – StartGeld – from €125.000 to €200.000. This allows start-ups to finance investments and working capital. KfW also assumes 80 percent of the default risk for the borrower's bank.

Photo: © Alexander Sell / ISB

FounderNavi – for founders and young companies - Theme specials | November 2025

Annabelle Scherhag wins Rhineland-Palatinate Founders' Prize

Annabelle Scherhag is a master boat builder and entrepreneur from Koblenz. She won the Rhineland-Palatinate Founders' Award in the Succession category for continuing a traditional business.

Photo: © ismagilov/123RF.com

FounderNavi – for founders and young companies - Theme specials | September 2025

Number of company start-ups declines sharply

Economic challenges are slowing down start-ups: Why only 161.000 new companies were founded in 2024 and which sectors are particularly affected.

Photo: © zhudifeng /123RF.com

FounderNavi – for founders and young companies - Theme specials | September 2025

Protective shield for smartphones: How craft businesses are upgrading their security

No fear of phishing and data theft, full focus on business: New business customer tariffs provide small and medium-sized craft businesses with comprehensive protection against cyberattacks from Telekom's mobile network.

Photo: © olegdudko/123RF.com

FounderNavi – for founders and young companies - Theme specials | September 2025

Founder: Don’t neglect precautions – protect yourself against risks

Founders have their hands full when building their own business. This can lead to neglected planning. Before a rude awakening occurs in the event of a disaster, smart tradespeople take precautions. Because safety can't be postponed.

Photo: © FritscheFoto

FounderNavi – for founders and young companies - Theme specials | Aug 2025

Your start in SHK self-employment: How it works

The path to self-employment in the plumbing, heating, and air-conditioning trade is full of opportunities—but also of misconceptions. Bosch's Young Master Craftsman Program helps dispel common myths and offers practical support for a successful start.

Photo: © NRW.BANK / Lokomotiv

FounderNavi – for founders and young companies - Theme specials | Aug 2025

Successful start-up with your own craft business

Christian Kaldewey from Möhnesee was one of the first recipients of the NRW microloan. A trained heating engineer, he founded a company in 2009 that locates and repairs leaks and damaged pipes.

Photo: © Tabea Weberskirch Photography

FounderNavi – for founders and young companies - Theme specials | Aug 2025

Karatas Backwaren GmbH: Success through quality and passion

Nuray and Cihat Karatas have realized their dream by founding Karatas Backwaren GmbH. They were supported by the Bürgschaftsbank NRW.

Photo: © SDH GmbH

FounderNavi – for founders and young companies - Theme specials | Aug 2025

Exclusive car discounts for tradesmen

Through SDH, tradespeople can take advantage of exclusive vehicle discounts from many manufacturers. A free registration is all it takes to save significantly on vehicle purchases.

Photo: © Mark Bowden/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2025

Grow successfully – with a healthy team

New employees bring a breath of fresh air to the company—but also more responsibility. With each additional team member, the organizational demands increase.

Photo: © stylephotographs /123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2025

Account management: Separate is better

Business account, private account, savings account: Founders who keep their business and personal finances clearly separate from the start always keep an overview, even in the hectic daily business.

Photo: © Sascha Deforth

FounderNavi – for founders and young companies - Theme specials | July 2025

How e-invoicing saves time and money in the trade

Who does the paperwork? In the skilled trades, office work often takes up valuable time. How e-invoicing and digital processes help startups minimize the workload – for greater efficiency and focus on what matters most.

Photo: © Olivia Lenz

FounderNavi – for founders and young companies - Theme specials | July 2025

Increase customer loyalty through social media

Chatter is part of the trade. It's only logical that tradespeople are increasingly using social media channels to draw attention to their trade or business.

Photo: © Konstantin Chagin/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2025

The advisory network of the Chambers of Crafts and Trade Associations

Did you know? Chambers of Crafts and trade associations offer free consultations nationwide.

Photo: © ZDH/Henning Schacht

FounderNavi – for founders and young companies - Theme specials | June 2025

Greetings to the FounderNavi 2025/26

How can you successfully start a business in times of global uncertainty? ZDH President Jörg Dittrich discusses opportunities and support for founders.

Photo: © liewei12/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2025

Europe should become more attractive for founders

The EU Commission has presented a strategy for young and growing businesses. From the perspective of the skilled trades sector, the strategy falls short and fails to recognize existing skilled trades businesses as drivers of innovation.

Photo: © kantver/123RF.com

FounderNavi – for founders and young companies - Theme specials | May 2025

New start-up campaign launches under the motto "All good reasons"

With a statewide campaign under the motto "All good reasons," the Brandenburg Ministry of Economic Affairs is promoting business start-ups and business successions in the skilled trades, industry, and services sectors.

Photo: © Saarland Chamber of Crafts

FounderNavi – for founders and young companies - Theme specials | January 2025

Photographer: Entrepreneur takes off

The HWK business consultancy, together with fitt gGmbH, supported photographer Sylwia Ulrich on her path to self-employment.

Photo: © gwolters/123RF.com

FounderNavi – for founders and young companies - Theme specials | January 2025

NRW increases the master craftsman start-up bonus

Since the beginning of the year, a new maximum subsidy for the master craftsman start-up bonus has been in effect in North Rhine-Westphalia. Instead of €10.500, the maximum amount is now €11.500. There are also other changes.

Photo: © THANANIT SUNTIVIRIYANON/123RF.com

FounderNavi – for founders and young companies - Theme specials | December 2024

44 recommendations for easier founding

The BMWK and the Federal Statistical Office have conducted a practical review of business start-ups. The result is 44 recommendations for action to eliminate bureaucratic hurdles in business start-ups and company successions.

Photo: © Maria Tara – Hessian Founders’ Prize

FounderNavi – for founders and young companies - Theme specials | November 2024

Outstanding companies awarded the Hessian Founders’ Prize

The Hessian Founders’ Prizes were awarded at a ceremony in the locomotive shed in Marburg at the beginning of November.

Photo: © Thomas Willemsen

FounderNavi – for founders and young companies - Theme specials | November 2024

NRW Start-up Prize 2024: The winners have been announced

The decision has been made! On October 28, the winners of the "Courage - The NRW Entrepreneurship Award" were honored at a festive awards ceremony at NRW.BANK in Düsseldorf.

Photo: © ismagilov/123RF.com

FounderNavi – for founders and young companies - Theme specials | November 2024

New funding offer for founders and successors

A new, low-interest development loan has been available for founders and successors since November 1. What's special about this loan is that it completely relieves the bank of any risk. Cooperation partners include KfW, the guarantee banks, and the Ministries of Economics and Finance.

Photo: © Konstantin Kirillov/123RF.com

FounderNavi – for founders and young companies - Theme specials | October 2024

New subsidized loan offer for start-ups and succession

From November 1, 2024, KfW and German Guarantee Banks will offer the ERP promotional loan for start-ups and succession.

Photo: © dookdui/123RF.com

FounderNavi – for founders and young companies - Theme specials | September 2024

New businesses in Rhineland-Palatinate: 10,7 percent more!

Startup boom in Rhineland-Palatinate: The number of new businesses founded in the skilled trades, services, and industry sectors has increased by 10,7 percent, the highest level since 2015. The biggest obstacle is the shortage of skilled workers.

Photo: © Andriy Popov/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2024

Real-time financial data: Always one step ahead

Access to up-to-date business data is crucial for a company's success. Young entrepreneurs, in particular, face the challenge of managing their resources efficiently to put their business on a solid footing. With digital solutions, this is easier than it sounds.

Photo: © Andrea De Martin/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2024

Mastering new responsibilities

As the company grows and new employees are hired, the challenges also grow.

Photo: © convisum/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2024

A good feeling thanks to insurance

Founders have their hands full when building their own business. This can lead to neglected planning. Before a rude awakening occurs in the event of a disaster, smart tradespeople take precautions. Because safety can't be postponed.

Photo: © Uwe Kloessing

FounderNavi – for founders and young companies - Theme specials | July 2024

Brandenburg: Founders honored

On July 4, the "Brandenburg Start-up Prize" was awarded for the first time. The new award is part of Brandenburg's start-up initiative.

Photo: © Rainer Holz / DBL

FounderNavi – for founders and young companies - Theme specials | July 2024

This "attracts" employees

A professional appearance. Appreciation of employees. And always keeping an eye on the budget – all things to consider when starting a business. This also applies to workwear. So, here are a few tips.

Photo: © NRW.BANK/Lokomotiv

FounderNavi – for founders and young companies - Theme specials | July 2024

Good advice for sweet temptations

Before financing comes advice. On the path to establishing a business, founders are faced with many questions – from the suitability of their business model to suitable financing options.

Photo: © Peter Horn

FounderNavi – for founders and young companies - Theme specials | July 2024

From employee to boss

Even as an employee at the Zacharzewski stone carving studio, Marilyn Lindner distinguished herself through her competence, determination, and a keen sense for her customers' needs. Today, she heads the long-established Gelsenkirchen-based company.

Photo: © Typhoon

FounderNavi – for founders and young companies - Theme specials | July 2024

All-in-one office software & app for modern start-ups

Starting a craft business requires a lot of preparation and the right tools – right from the start. Whether it's a traditional business or a modern startup – the right office software will grow with your needs and support you every step of the way.

Photo: © stylephotographs /123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2024

Digital transformation: lifeline and driver of innovation

The economy is facing the challenges of the current polycrisis – especially for smaller craft businesses, it is not easy to advance important digital projects now.

Photo: © SDH GmbH

FounderNavi – for founders and young companies - Theme specials | July 2024

Exclusive car discounts for tradesmen

As a founder, you can benefit from substantial discounts when purchasing a vehicle. Become a free SDH member and secure top deals from local dealers.

Photo: © ZDH/Sascha Schneider

FounderNavi – for founders and young companies - Theme specials | July 2024

Greetings to the FounderNavi 2024/25

Entrepreneurial freedom and responsibility: Your independence strengthens our country! Benefit from advice and networks for your future.

Photo: © andreypopov/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2024

Taking over a business: More attractive than starting a new one?

Is it actually easier to take over an existing business instead of starting a new one? The expected answer: It depends. Here's an overview of the advantages and disadvantages of business succession.

Photo: © Private

FounderNavi – for founders and young companies - Theme specials | May 2024

For the love of bicycles

Crafts are a pillar of the economy. In this series, the German Crafts Journal introduces people who have founded a craft business. Like Potsdam-based bicycle mechanic Christoph Nordwig.

Photo: © liewei12/123RF.com

FounderNavi – for founders and young companies - Theme specials | January 2024

Start.in.RLP: Start-up scholarship will continue in 2024

The Start.in.RLP start-up scholarship will be relaunched in 2024. It is intended to help concretize and facilitate start-up projects.

Photo: © TAIFUN Software GmbH

FounderNavi – for founders and young companies - Theme specials | October 2023

Office software: all-round service for trades

Starting a trades business requires a lot of preparation and the right tools – right from the start. With the right office software, smooth processes between the office and the construction site are guaranteed.

Photo: © Aliaksandr Dobysh/123RF.com

FounderNavi – for founders and young companies - Theme specials | September 2023

Currently no ISB grant for founders

The Koblenz Chamber of Crafts informs that there are currently no ISB subsidies for freelance business consulting for start-ups.

Photo: © ismagilov/123RF.com

FounderNavi – for founders and young companies - Theme specials | September 2023

RLP: Fewer founders but stable companies

Founders now need a lot of courage and support from start-up centers. This is shown by the 2023 Start-up Report of the Chambers of Industry and Commerce and the Chambers of Skilled Crafts of Rhineland-Palatinate. At least existing companies in the state are holding their own.

Photo: © bowie15/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2023

State extends start-up scholarship

The NRW state government is extending the NRW Start-up Grant for three years. Starting in October, higher funding amounts will be available.

Photo: © DATEV eG

FounderNavi – for founders and young companies - Theme specials | Aug 2023

On a sustainable path with e-invoicing

Founders in the skilled trades have an important advantage compared to longer-established businesses: they can rely on digital processes for commercial tasks right from the start.

Photo: © convisum/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2023

Stable position

Smart tradespeople plan ahead – right from the start. Of course, founders have their hands full building up their business. But security can't be postponed, otherwise it'll be over faster than it started.

Photo: © 3ddock/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2023

Digitalization funding programs for craft businesses

Investments in digitalization measures cost time and money. Under certain conditions, skilled trades businesses can apply for funding for their projects.

Photo: © mariok/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2023

Start-ups with brains: the right legal form

Financial management: When planning their own business, founders have to make many decisions. Choosing the right business structure is one of them. There are many options available.

Photo: © evgenyatamanenko/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2023

Suddenly a manager

Social insurance: Becoming self-employed brings with it new challenges and, with them, new responsibilities.

Photo: © private

FounderNavi – for founders and young companies - Theme specials | July 2023

Three generations, one company

When companies are handed over to a successor, it's not just an emotional decision, but often also a financial challenge. NRW.BANK knows how to make the transition a success and what's important.

Photo: © ZDH/Sascha Schneider

FounderNavi – for founders and young companies - Theme specials | July 2023

Greetings from Jörg Dittrich

When the wind blows hard, it brings with it many great opportunities. For example, it's a good idea to build a windmill. We want to reduce bureaucratic hurdles. 125.000 craft businesses will soon need new management. Start one and take over!

Photo: © MIKE KÖNIG Photography / Vaillant

FounderNavi – for founders and young companies - Theme specials | January 2023

Vaillant supports the founding

Vaillant is one of the leading providers of products and solutions in heating, ventilation, and air conditioning technology. With its Start-up Workshop, the company targets trained HVAC tradespeople who want to establish their own businesses.

Photo: © NRW.BANK

FounderNavi – for founders and young companies - Theme specials | October 2022

NRW Founders' Prize for digital innovations and climate justice

The winners of the 2022 NRW Founders' Prize have been announced: Unigy GmbH from Essen impressed the jury with a digital offering for municipal utilities and energy suppliers. Confiserie Harmonie made it to the finals.

Photo: © WHKT / RG

FounderNavi – for founders and young companies - Theme specials | September 2022

Master's Day: Craftsmanship thrives even in difficult times

At the eleventh Masters Day NRW, around 30 master craftsmen from across NRW received their grant notifications for the master craftsman start-up bonus.

Photo: © seventyfour74/123RF.com

FounderNavi – for founders and young companies - Theme specials | September 2022

From one-man business to company

When business volumes are booming, every founder sooner or later faces the question of whether it makes sense to hire additional employees. After all, customer needs need to be met.

Photo: © Galina Peshkova/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2022

Interview: Starting a business in the skilled trades is very easy to plan

Starting a business in the skilled trades also requires soft skills. Master craftsmen and women, in particular, are good at assessing their strengths and weaknesses, says Britta Schulz, department head at the Münster Chamber of Crafts and Trades. This is another reason why starting a business in the skilled trades is very easy to plan.

Photo: © seventyfour74/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2022

Entrepreneurs in the skilled trades: A question of personality?

What are the characteristics of people who start their own business, and what distinguishes craftspeople from entrepreneurs in other sectors? A new study by the ifh Göttingen provides exciting insights, even for those who are still hesitant about whether to venture into starting a business.

Photo: © alphaspirit/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2022

Financial planning – vital for business start-up

The heart of every business plan is the financial plan. It outlines how the business is expected to develop, whether the start-up is economically viable, and how much capital is required. It provides founders with the best approach.

Photo: © Guarantee Bank NRW

FounderNavi – for founders and young companies - Theme specials | Aug 2022

A traditional company in good hands

Marilyn Lindner worked at the Zacharzewski stonemasonry and sculpture workshop for 13 years. Last year, she took over the business from her former boss and started her own business with the help of the NRW Guarantee Bank.

Photo: © bowie15/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2022

Federal government adopts start-up strategy

The Federal Cabinet has adopted a comprehensive start-up strategy. Implementation of the measures in ten different areas of action is now underway.

Photo: © Yuliia Davydenko, Artem Samokhvalov/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2022

Cushions and policies

Founders are primarily distinguished by a good business idea—less often by ample financial resources. This is precisely why insurance policies are essential.

Photo: © georgejmclittle/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2022

The first impression

The first impression counts. And it begins even before the customer visits – online. Your digital presence is therefore more than just a virtual business card.

Photo: © NRW.BANK / Udo Geisler

FounderNavi – for founders and young companies - Theme specials | July 2022

NRW: Start-up support for founders

Young companies don't just need a financial boost at the start. NRW.BANK, together with their bank, supports them throughout all phases – and puts the most creative business ideas in the spotlight with the NRW Founders' Award.

Photo: © Bäckerei Huth/Sascha Braun

FounderNavi – for founders and young companies - Theme specials | July 2022

Bread from tradition – Commercial processes with innovation

At the Huth bakery, we bake slowly based on traditional recipes and book quickly with the help of integrated IT solutions.

Photo: © Boris Trenkel

FounderNavi – for founders and young companies - Theme specials | July 2022

Greetings from Hans Peter Wollseifer

Anyone who starts a business creates something new and valuable. They create jobs and training opportunities, something that lasts. And they help new ideas break through. Starting a business is part of the DNA of the skilled trades.

Photo: © auremar/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2022

More start-ups in Germany

After the coronavirus slump, start-up activity has returned to pre-crisis levels. 607.000 Germans started their own businesses in 2021, according to the new KfW Start-up Monitor. It's striking that more and more young women are starting businesses.

Photo: © Jozef Micic/123RF.com

FounderNavi – for founders and young companies - Theme specials | April 2022

Young companies continue to suffer from the Corona crisis

Many self-employed people have found themselves in a difficult financial situation during the Corona crisis – while those who started their business during the crisis are optimistic about the current year, those who were already in business before are less positive.

Photo: © Sergey Nivens/123RF.com

FounderNavi – for founders and young companies - Theme specials | January 2022

New development loan for start-ups and medium-sized businesses in NRW

The state development bank NRW.Bank has expanded its support for start-ups and small and medium-sized businesses as of January 1. The favorable interest rates and long-term nature of "NRW.BANK.Start-up and Growth" are intended to facilitate investments and succession planning.

Photo: © Ingo Lammert

FounderNavi – for founders and young companies - Theme specials | December 2021

Brandenburg extends the master craftsman start-up bonus until 2023

Brandenburg's Master Craftsman Start-up Bonus will be extended until 2023. Master craftsmen and women can receive a grant of €12.000, plus a job and training place bonus thereafter. The state is thus also focusing on the issue of succession.

Photo: © mariok/123RF.com

FounderNavi – for founders and young companies - Theme specials | December 2021

Founder's grant: great satisfaction in NRW

The vast majority of recipients are very satisfied with the NRW Founders' Grant, according to an evaluation commissioned by the Ministry of Economic Affairs.

Photo: © Sergey Nivens/123RF.com

FounderNavi – for founders and young companies - Theme specials | December 2021

New start-up scholarship in Rhineland-Palatinate

1.000 euros, for twelve months, for innovative start-ups and business takeovers from the skilled trades sector – applications are now open!

Photo: © NRW.BANK

FounderNavi – for founders and young companies - Theme specials | November 2021

Hearing Aid Manufactory on the winner's podium at the NRW Founders' Prize

These are the most innovative founders in the state of North Rhine-Westphalia: Schüttflix GmbH from Gütersloh wins the NRW Founders' Award with a digital innovation for the construction industry. Dermanostic GmbH from Düsseldorf and Hörgeräte Manufaktur from Bad Honnef take second and third place, respectively.

Photo: © WHKT / RG

FounderNavi – for founders and young companies - Theme specials | October 2021

"The master title is the heart of German craftsmanship"

The WHKT, together with the North Rhine-Westphalian Ministry of Economic Affairs, hosted the Master Craftsmen's Day for the tenth time. Minister Andreas Pinkwart presented the approval notices for the Master Craftsmen's Start-up Bonus to young master craftsmen.

Photo: © Galina Peshkova/123RF.com

FounderNavi – for founders and young companies - Theme specials | October 2021

New scholarship for founders in Rhineland-Palatinate

1.000 euros a month – for a whole year! Founders in Rhineland-Palatinate can now apply for the new "Start.in.RLP" start-up grant.

Photo: © Bartolomiej Pietrzyk/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2021

Corona: More money for start-ups in Saxony

The Mittelständische Beteiligungsgesellschaft Sachsen (Saxony Medium-Sized Investment Company) is providing even more capital to pandemic-affected startups. The Corona Startup Aid Fund has been increased to €40 million.

Photo: © Nord-Ostsee Automobile

FounderNavi – for founders and young companies - Theme specials | July 2021

On the path to growth with tradition and digitalization

As part of its growth strategy, Nord-Ostsee Automobile GmbH & Co. KG has completely restructured its financial accounting system, thus preparing itself for the future.

Photo: © Datev eG 2021

FounderNavi – for founders and young companies - Theme specials | June 2021

Digital commercial processes right from the start

Entrepreneurs in the skilled trades usually have many years of experience in masterfully implementing customer requests. They know what's technically feasible and how to ensure satisfied customers—certainly one reason why they want to start their own business.

Photo: © stylephotographs /123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2021

Account management: Separate is better

Business account, private account, savings account: founders who keep their business and personal finances clearly separate from the start always keep track of things, even in the hectic daily routine.

Photo: © Dmitrii Shironosov/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2021

From lone fighter to leader

From a one-man business to a medium-sized company – this is the vision many founders have. To successfully implement this plan, entrepreneurs must pay attention to a number of factors.

Photo: © Weinhold Optic Actuell

FounderNavi – for founders and young companies - Theme specials | June 2021

On the path to self-employment

A story straight out of a picture book: The story of a master optician who dreamed of owning her own business even during her apprenticeship. And of a boss who was just waiting to find a worthy successor. Both dreams came true with the help of the Bürgschaftsbank NRW.

Photo: © NRW.BANK / Lokomotiv

FounderNavi – for founders and young companies - Theme specials | June 2021

Money for good business ideas

With financial support, founders can better manage the initial investments. Government funding programs offer tailored assistance.

Photo: © Boris Trenkel/ZDH

FounderNavi – for founders and young companies - Theme specials | June 2021

Greetings from Hans Peter Wollseifer

The coronavirus pandemic has been setting the pace for the economy for over a year. Even though some skilled trades businesses are still coping relatively well, overall, the current pandemic situation doesn't seem particularly conducive or motivating to start new ventures and build their own businesses.

Photo: © georgerudy/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2021

As an independent optician in a strong network

Apollo-Optik has been on the market for 30 years and offers not only its own stores but also a franchise partner concept.

Photo: © lev dolgachov/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2021

Under the umbrella of well-known brands

As a franchise partner, you can also become self-employed, just like after acquiring the master craftsman or journeyman qualification.

Photo: © jemastock/123RF.com

FounderNavi – for founders and young companies - Theme specials | February 2021

Higher start-up bonus for master craftsmen

In the Münster Chamber district, more founders started their own businesses with the help of the funding last year, 2020.

Photo: © pogonici /123RF.com

FounderNavi – for founders and young companies - Theme specials | February 2021

Founder: Combine microloans with crowdfunding

In Saxony, start-ups can now combine funds from successful crowdfunding with the microloan funding program.

Photo: © mariok/123RF.com

FounderNavi – for founders and young companies - Theme specials | February 2021

NRW improves the master craftsman start-up bonus

The North Rhine-Westphalia state government is continuing the Master Craftsmen's Start-up Bonus with improved funding conditions. The maximum grant is increasing from €7.500 to €10.500.

Photo: © vanias/123RF.com

FounderNavi – for founders and young companies - Theme specials | February 2021

Brandenburg: New funding for developing foreign markets

In order to take advantage of the opportunities offered by advancing digitalization during the Corona pandemic, the Brandenburg Ministry of Economic Affairs is supporting its small and medium-sized enterprises.

Photo: © gwolters/123RF.com

FounderNavi – for founders and young companies - Theme specials | January 2021

Not only because of Corona: Fewer start-ups in the skilled trades

During the coronavirus crisis, fewer skilled tradespeople became self-employed than before. The reintroduction of the master craftsman's certificate requirement also had an impact, according to a study cited by the German government.

Photo: © Olga Yastremska/123RF.com

FounderNavi – for founders and young companies - Theme specials | January 2021

Digital training during the Corona pandemic

To make it easier to start your own business, the Chambers of Crafts and Trades offer a wide range of online consulting and seminar options.

Photo: © auremar/123RF.com

FounderNavi – for founders and young companies - Theme specials | December 2020

Bonus and start-up bonus for Thuringian master craftsmen

Starting in 2021, Thuringia will offer all successful master craftsman candidates a bonus of €1.000 and a master craftsman start-up bonus of up to €7.500. The state parliament passed this resolution shortly before Christmas.

Photo: © liewei12/123RF.com

FounderNavi – for founders and young companies - Theme specials | December 2020

More company start-ups in NRW

Even during the coronavirus pandemic, the state of North Rhine-Westphalia is recording a growing number of company start-ups. This is a finding of the NRW Startup Monitor 2020.

Photo: © KfW / Hoffmann

FounderNavi – for founders and young companies - Theme specials | November 2020

Encouragement: Exhibition builder receives special prize at the KfW Award Gründen

When the coronavirus crisis brought his entire business to a standstill, Tim-Alexander Karußeit reinvented his trade fair construction company in record time. For this, the tradesman's business received the KfW Award for Starting a Business 2020 in the "Motivational" category!

Photo: © Sandra Weniger

FounderNavi – for founders and young companies - Theme specials | November 2020

Brandenburg companies are innovative in the crisis

Many Brandenburg companies are using the Corona crisis to improve their products and services.

Photo: © NRW.Bank

FounderNavi – for founders and young companies - Theme specials | October 2020

Scaffolder nominated for the NRW Founders' Prize

Fingers crossed: A scaffolding company from Bocholt has been nominated for the 2020 NRW Founders' Award. Matthias Pohl's business demonstrates how innovative and sustainable the skilled trades are. And that you can still get started even if you're over 50.

Photo: © auremar/123RF.com

FounderNavi – for founders and young companies - Theme specials | October 2020

Brandenburg: Now 12.000 Euro start-up bonus for master craftsmen!

Master craftsmen in Brandenburg now receive a €12.000 start-up bonus when they establish or take over a business. Those who create training opportunities and jobs will receive significantly more. Previously, the basic subsidy was €8.700.

Photo: © WHKT

FounderNavi – for founders and young companies - Theme specials | September 2020

Respect for founders in Corona times

At the Masters Day NRW, Economics Minister Andreas Pinkwart presented certificates for the master start-up bonus to 20 founders from the North Rhine-Westphalian skilled trades.

Photo: © WHKT

FounderNavi – for founders and young companies - Theme specials | September 2020

Tailwind for entrepreneurs in the craft sector

Despite the coronavirus pandemic, skilled trades offer outstanding prospects. The Masters' Day in North Rhine-Westphalia took place under this theme, taking the coronavirus regulations into account.

Photo: © adiruch/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2020

Business consultants can help craftsmen out of the crisis

If a craft business falls into crisis, it doesn't necessarily have to be insolvent. A liquidity tool can determine its solvency.

Photo: © Gina Sanders/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2020

Brandenburg Future Center with new platform

With a new platform, the Brandenburg Future Center supports companies in digital and demographic change. Craftsmen and tradespeople can find tailored solutions for implementing upcoming transformation processes.

Photo: © Andreas Endermann Photography

FounderNavi – for founders and young companies - Theme specials | July 2020

Funding for every project

Start-ups, growth, succession – the public sector offers financial assistance for every phase of a business. This makes necessary investments easier to manage.

Photo: © rawpixel/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2020

Customer access in Corona times: Online first

The coronavirus crisis has created a new risk for businesses: social distancing. This makes a strong digital connection to customers more important than ever.

Photo: © Alexander Raths/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2020

Well prepared for the loan discussion

Whether you need a COVID-19 relief loan or capital for an investment, young entrepreneurs face several hurdles when negotiating a loan. Therefore, good preparation is crucial – especially when things need to happen quickly.

Photo: © DATEV eG

FounderNavi – for founders and young companies - Theme specials | July 2020

Combining tradition and innovation

Entrepreneurs in the skilled trades usually place great value on the traditions of their profession. At the same time, they naturally utilize the latest technologies and solutions to assert themselves in the market, such as 3D scanners that replace the folding rule.

Photo: © gajus/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2020

Insurance: Managing risks

Nobody wants to deal with it, but insurance is vitally important for every business – especially for young companies that have not yet been able to build up financial cushions.

Photo: © stylephotographs/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2020

From lone fighter to boss

From a one-man business to a medium-sized company – this is the vision many founders have. To successfully implement this plan, entrepreneurs must pay attention to a number of factors.

Photo: © Carsten Knospe

FounderNavi – for founders and young companies - Theme specials | July 2020

This belongs in an invoice

It never works without bureaucratic hassle, because anyone who wants to be paid for work done must issue an invoice that meets all the important points and obligations.

Photo: © haveseen/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2020

If no one goes on a trip...

...then he'll have something to tell you. For example, how to continue paying rent and staff in the event of a sudden shutdown. Even if the coronavirus aid isn't enough and your buffers are depleted, head to your bank – they can offer a guarantee.

Photo: © KfW Image Archive

FounderNavi – for founders and young companies - Theme specials | April 2020

KfW reports more start-ups

These figures are from BEFORE the coronavirus crisis. The latter left many companies in a critical situation. The current impact will only become apparent in the 2020 surveys.

Photo: © weerapatkiatdumrong/123RF.com

FounderNavi – for founders and young companies - Theme specials | April 2020

Federal government: "Start-up booster" for the Corona crisis

Start-ups are to receive two billion euros in tailor-made support during the Corona crisis.

Photo: © mariok/123RF.com

FounderNavi – for founders and young companies - Theme specials | February 2020

Founding with a guarantee

Craftsmen were once again the most frequent customers of guarantee banks in 2019. More than half of all guarantees and warranties issued went to start-ups. Succession financing also played an important role.

Photo: © KfW Image Archive

FounderNavi – for founders and young companies - Theme specials | Aug 2019

Founders prefer metropolitan areas

Attention founders: Metropolitan areas are at the forefront of the startup scene. According to the KfW Start-up Monitor 2019, they find the best conditions there.

Photo: © 2019 BMWi

FounderNavi – for founders and young companies - Theme specials | Aug 2019

Start-up offensive of the Ministry of Economic Affairs

Since July, the Federal Ministry for Economic Affairs and Energy has opened up access to the ERP Digitalization and Innovation Loan for start-ups.

Photo: © auremar/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2019

Founding by acquisition on the rise

For years, startup activity in Germany has been stagnating. On the upside, more and more entrepreneurs are taking over businesses. Read here about the countries where startups are taking off.

Photo: © georgejmclittle/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2019

The first impression counts

Customers usually choose tradespeople based on recommendations or online. Therefore, a professional online presence is an absolute must.

Photo: © Alys Tomlinson

FounderNavi – for founders and young companies - Theme specials | June 2019

Your digital waste assistant

Waste disposal is much easier to organize digitally. With online platforms like empto®, businesses can quickly, easily, and cost-effectively find the right waste disposal partner.

Photo: © Siam Pukkato/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2019

Avoid outstanding invoices

Good receivables management is crucial for companies to survive in the market. The goal is clear: to prevent payment defaults and quickly collect overdue amounts.

Photo: © Guarantee Bank NRW

FounderNavi – for founders and young companies - Theme specials | June 2019

From trainee to boss

Successor urgently needed! The skilled trades are getting on in years. However, many older business owners are struggling to find a successor.

Photo: © Marian Vejcik/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2019

The right funding for every project

Implementing new ideas or changing business models requires courage and usually costs money. Such projects can be financed with grants.

Photo: © Tyler Olson/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2019

Healthy team - successful business

Starting your own business starts with an idea and a lot of personal commitment. To successfully implement the plan, support is often necessary.

Photo: © Ilker Celik/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2019

Play it safe

Founders are distinguished by their business ideas—less often by ample financial cushions. Therefore, insurance is essential to avoid having to give up at the first sign of a loss.

Photo: © Martina Kurz/beneluxdesign.

FounderNavi – for founders and young companies - Theme specials | June 2019

Calculated living dreams made of wood

A timber construction company makes every effort to fulfill its customers' dreams and, among other things, uses the precise evaluations offered by DATEV solutions.

Photo: © Katarzyna Białasiewicz/123RF.com

FounderNavi – for founders and young companies - Theme specials | June 2019

Crown bank visits with success

Only those who are well prepared will leave a good impression on the bank and thus achieve their goals more easily.

Photo: © clickandphoto/123RF.com

FounderNavi – for founders and young companies - Theme specials | April 2019

"Brandenburg needs a strong craft industry"

The Brandenburg Ministry of Economic Affairs has improved the requirements for accessing the Master Craftsman Start-up Bonus. The amended guidelines are now in effect.

Photo: © Peter Diersch/HWK-Saarland

FounderNavi – for founders and young companies - Theme specials | March 2019

"Reasons to stay"

In the German Crafts Journal, Bernd Wegner, President of the Saarland Chamber of Crafts, talks about the importance of start-ups.

FounderNavi – for founders and young companies - Theme specials | December 2018

Start-up offensive launched

Federal Minister for Economic Affairs Peter Altmaier is launching a new start-up initiative together with the ZDH, BDA, BDI, and DIHK associations.

Photo: © AUMA

FounderNavi – for founders and young companies - Theme specials | November 2018

BMWi continues to promote trade fair participation by start-ups

The Federal Ministry for Economic Affairs and Energy is extending the funding program for start-ups' trade fair participation until the end of 2023.

Photo: © The Bread Purists

FounderNavi – for founders and young companies - Theme specials | October 2018

"The Bread Purists" win KfW Founders' Prize

"The Bread Purists" from Speyer are the Rhineland-Palatinate state winners in the nationwide KfW Award Gründen 2018 business competition.

Photo: © THANANIT SUNTIVIRIYANON/123RF.com

FounderNavi – for founders and young companies - Theme specials | July 2018

Kick-start for brilliant business ideas

Starting July 1, North Rhine-Westphalia will have a new funding instrument for founders, the Gründerstipendium.NRW.

Photo: © liewei12/123RF.com

FounderNavi – for founders and young companies - Theme specials | April 2018

New platform for founders

The new website gruenderplattform.de offers individual support for anyone who is starting their own business or has just completed the process.

Photo: © THANANIT SUNTIVIRIYANON/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2017

Grant for start-ups

Berlin, North Rhine-Westphalia, and Brandenburg already have one, and in the future there will also be a master craftsman start-up bonus in Saxony-Anhalt: a one-time grant of 10.000 euros is planned.

Photo: © gwolters/123RF.com

FounderNavi – for founders and young companies - Theme specials | Aug 2016

Master craftsman start-up bonus: Do you have to pay taxes on it?

Master craftsmen in North Rhine-Westphalia who want to start their own business can receive a grant of €7.500 through the Master Craftsmen's Start-up Bonus. This raises the question: Are taxes payable on this?

Photo: © Wilfried Meyer

FounderNavi – for founders and young companies - Theme specials | July 2014

Starting a business: I take the freedom for myself

After passing their master craftsman's examinations, Meike van Elten and Johannes Sitsen have taken the step into self-employment. They want to take on responsibility and implement their own ideas.

Photo: © Alexander Stratiychuk/123RF.com

FounderNavi – for founders and young companies - Theme specials | December 2012

Master start-up bonus: Achieve a lot with little money

In North Rhine-Westphalia, the subsidy for master craftsmen has been available for 17 years. Approximately 15.000 new businesses or acquisitions have been supported, and over 70.000 jobs have been created or secured.

Trainee test: How fit are your applicants?

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