Join the Klim Farmer Council

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Huch! Beim Absenden des Formulars ist etwas schief gelaufen.

Klim team member and farmer talking on a field

About the initiative

Better loan terms for your farm

If you’re planning a farm investment, you can reduce your loan interest by 0.25% through eligible Rentenbank programs.
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To qualify, you need a verified Klimabilanz, a report that calculates your farm’s greenhouse gas emissions based on key operational data such as livestock, fertiliser, and energy use.

Klim prepares the required climate balance and provides a verified PDF document ready for submission to your bank.

Why participate?

A financial advantage

Lower financing costs

Secure a 0.25% interest rate reduction on your next eligible loan through your house bank.

Only €99 investment

Most of the Klimabilanz cost is covered through the program. You contribute just €99.

Ready for your bank

Receive a verified Klimabilanz as a PDF document that you can submit directly with your loan application.

How it works

3 steps to secure the interest reduction

The process is straightforward and can usually be completed within a few days.

1. Submit your request

Fill out the above contact form. Klim will contact you and guide you through the next steps.
Deadline: March 13th

2. Register with Rentenbank

Submit your application for an eligible Rentenbank investment loan through your house bank.

3. Complete your Klimabilanz

After registering, you receive access to the Klim Platform. Here, you'll enter your farm data. This process typically takes 60-90 minutes.

4. Submit to your bank

You'll receive a verified PDF Klimabilanz from Klim. Submit it to your house bank to secure the 0.25% interest reduction.

Who’s it for?

Designed for farms like yours

The program applies to you if...

Borrow

You are planning to take out a loan for your farm.

Farming

You operate an agricultural business.

Location

You are based in Germany.

Eligibility

Your legal structure or tax status does not restrict participation.

Don’t miss the March 13 deadline

Submit your Rentenbank application and secure better loan conditions for your farm.

Start your application

Got questions? We've got answers!

What exactly is the Rentenbank program?

Rentenbank offers a subsidy program called “Zuschussprogramm zur Klimabilanz für Ihr landwirtschaftliches Unternehmen.”

It funds the preparation of a Klimabilanz and grants a 0.25% interest rate reduction on eligible loans through your house bank.

Klim prepares the required Klimabilanz

What does it cost me?

The total cost of the Klimabilanz is €990.

Rentenbank funds €891.
Your contribution is €99.

How does the 0.25% interest reduction work?

After completing your Klimabilanz, you receive a verified PDF document.

You submit this document to your house bank.
If your loan qualifies under the program, the bank applies the fixed 0.25% interest rate reduction.

Who is eligible?

Agricultural businesses planning to take out a loan are eligible. Participation is independent of legal form, tax classification, and whether you farm full-time or part-time.

Currently, Klim supports arable and dairy farms.

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What defines a “completed” Klimabilanz?

A completed Klimabilanz includes:

All required farm operational data
All currently cultivated crops
For dairy farms: the dairy questionnaire

Klim checks submissions for plausibility and common input errors before issuing the verified document.

How and when do I apply?

You must first apply directly with Rentenbank before
March 13 at 12:00 noon.

After approval, you complete your Klimabilanz with Klim.
The loan and interest reduction are handled through your house bank.

Can I apply for the interest rate reduction now, and apply for a loan later?

Absolutely. You can apply for the interest rate reduction without a specific loan in mind.

Can I use the Klimabilanz for other purposes?

Yes.

In addition to qualifying for the interest reduction, your Klimabilanz can also be used for discussions with partners, sustainability programs, or future reporting requirements.

Who can I contact if I need more information from Klim?

If you need additional details about the program, please reach out to Julius Vielhauer at julius@klim.eco or at +49 1511 8623426.