Log into your Penta account and visit the tab "Lending" in the menu. You can find relevant information on the KfW instant loan there and get redirected to our official partner Banxware for the loan application. 


You have to answer to different questions about your business in ca. 15 minutes and submit your loan application. The Volksbank then checks your application to verify if you're eligible for the loan. If the verification is successful, your application gets send to KfW for the final confirmation. KfW then sends the loan contract to your phyisical address for you to sign and informs Banxware about the status of your application, this can take up to 7 days. Once KfW received your signed contract via post, they will initiate the money transfer to your Penta account soon after.