Modernise your home
without breaking the piggy bank.
Starting with the heating system.
The checkout for home modernisation. For homeowners, installers and banks. Currently in development.
01 The problem
Owners don’t reject the project. They reject the price tag.
Today
€30,000
up front. The grant, €12,880 in this example, arrives months later.
With werkfluss
Monthly.
The expected grant is counted in from day one, once KfW has approved it. Interest and total amount are always visible.
Example, as of 09/2026: €30,000 project, €12,880 KfW grant (30% base + 16% speed bonus on €28,000 eligible cost), subject to conditions. werkfluss is independent and not a KfW offer.
02 Why now
Waiting is getting expensive.
86%
of non-condensing oil boilers are more than 20 years old. Replacement is coming. Planned beats emergency.
€60 to €151
CO₂ price per tonne in 2030, forecast range. Today: €55 to €65. EU emissions trading for heating expected from 2028.
−4 pts
grant speed bonus every six months from February 2027. Today: 16%, subject to conditions (as of 09/2026).
New builds are no way out: 206,600 homes completed in 2025, while the BBSR forecasts a need of 320,000 a year. The homes we have must last longer.
Sources: German chimney sweeps’ survey 2025 (via Solarserver, 22.05.2026) · ADAC, CO₂ price (as of 09/2026) · KfW Merkblatt 458 (09/2026) · Destatis, completions 2025 · BBSR housing demand forecast 2025.
03 How it works
The installer’s quote becomes the checkout.
- 01
Quote
By email or QR code: every line item and the KfW grant at a glance.
- 02
Choose
One slider: in full or monthly. Interest and total always visible.
- 03
Sign
Identity, credit check and e-signature in one flow.
Air-to-water heat pump, 12 kW
- Heat pump incl. storage and accessories
- €21,400.00
- Installation and commissioning
- €6,200.00
- Removal of the old system
- €2,400.00
- Total
- €30,000.00
- KfW grant (expected)
- − €12,880.00
- To finance
- €17,120.00
Payment options
Your rate
Term, APR and total amount: visible before you sign.
Example quote. All amounts are illustrative.
Lender: bank partner (in preparation)
04 Safety
How we make it safe.
This is how werkfluss is designed. We are starting with selected partners.
01
A bank lends.
The loan comes from a bank partner. werkfluss runs the process and the risk model.
02
No contract without a grant approval.
Nothing is signed until KfW has approved the grant.
03
Money follows progress.
Paid in stages: a deposit after signing, the rest after installation, the final tranche after commissioning.
05 Join us
Want to help build werkfluss as a co-founder, team member, partner or investor?
Write to us. We’ll reply personally.