Which AI funding programmes exist for SMEs in Germany?

The most important programmes are go-digital (federal), AI Trainers at the Mittelstand-Digital Centres, ZIM, regional programmes such as Hessen Digital, EU programmes such as Digital Europe and the R&D tax allowance.

What is the typical funding rate for AI projects?

Depending on the programme between 35 and 55 percent of eligible costs. For small companies often at the upper end. The R&D tax allowance additionally reimburses 25 percent of R&D personnel costs.

Is the effort of applying for funding worthwhile?

For projects from about 25,000 euros almost always. Funding applications take 4 to 12 weeks lead time but, with good preparation, the effort is manageable. We support you with the application.

Can I combine several funding programmes?

Yes, in many cases. A classic combination is go-digital for consulting and ZIM for innovation delivery. The R&D tax allowance can be combined with nearly all grants.

Which requirements must my company meet?

Most programmes target SMEs by EU definition: fewer than 250 employees and up to 50 million euros turnover. A registered office or branch in Germany or the EU is required.

Does FERNAU handle the application?

We accompany you through the application, from the funding check to document preparation and use-of-funds reporting. For more complex programmes we partner with specialised funding consultants.

AI Funding

AI funding for theGerman Mittelstand

Up to 55 percent funding rate for AI and digitalisation projects. We know the relevant programmes, from go-digital to ZIM and the R&D tax allowance, and accompany you through the application.

Free initial consultation More about our consulting

Six funding sources particularly relevant for SMEs

From federal programmes to Hesse state funding. We pick the programmes that fit your project.

go-digital (German federal programme)

German federal programme by the BMWK. Up to 50 percent grant on consulting and implementation in the modules Digital Business Processes, Digital Market Development and IT Security.

AI Trainers at the Mittelstand-Digital Centres

Free initial consulting, AI readiness checks and funded pilot projects via the regional Mittelstand-Digital Centres.

ZIM – Central Innovation Programme for SMEs

Funding for AI and digitalisation innovation projects with up to 55 percent grant on personnel and material costs.

Hessen Digital & WIBank

State funding in Hesse for digitalisation and AI in SMEs. Grants and low-interest loans via WIBank.

EU funding programmes

Digital Europe Programme, Horizon Europe and EIC Accelerator. Particularly interesting for ambitious AI and deep-tech projects.

R&D tax allowance

Up to 1 million euros R&D tax allowance per year for AI development projects, combinable with other funding programmes.

Frequently asked questions

Which funding fits your AI project?

In a free funding check we identify which programmes qualify for your project and what funding rate is realistic.

Free initial consultation 06150 184973-0

Subject matter expert

Lars Zimmermann, Managing Director & AI Manager

AI Manager (IHK), Certified Business Administrator (IHK) and Master Metal Construction (HWK). 20 years of industrial experience in the German manufacturing Mittelstand. The content of this page is based on hands-on consulting practice with SMEs in Germany and is regularly updated to reflect current regulation and technology.

AI Manager (IHK)Updated on April 20, 2026