Loans

Clients

EIB clients are public and private sector bodies and enterprises. The project promoted by the public or private client must be in line with the lending objectives of the EIB and be economically, financially, technically and environmentally sound.

Sectors

The EIB finances a broad range of projects in all sectors of the economy. Projects must adhere to at least one of the EIB lending objectives.

Financing Facilities

As a rule, the Bank lends up to 50% of the investment costs of a project.

The EIB has two main financing facilities:

• Individual loans: provided to viable and sound projects and programmes costing more than EUR 25 million which are in line with EIB lending objectives.
• Intermediated loans: credit lines to banks and financial institutions to help them to provide finance to small and medium-sized enterprises with eligible investment programmes or projects costing less than EUR 25 million. Microfinance has also been provided by the EIB in some countries.