Applying for loans

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Applying for loans

Projects financed must be:

  • economically, technically, environmentally and financially viable;
  • in line with the mandates entrusted to the Bank.

Direct financing

Individual loans for projects normally exceeding EUR 25 million in cost can be requested directly from the EIB without any particular formalities. As a general rule, a comprehensive feasibility study as well as the borrower’s financial data (audited annual reports, financial projections) should be submitted.

Where such a study has not been prepared, the promoter may use their own discretion in compiling as detailed a dossier as possible to permit the technical, environmental, economic, financial and legal appraisal of the project.

Indirect financing

The EIB also extends lines of credit for specific purposes to selected local financial intermediaries to allow the financing of smaller projects which fall into EIB priority lending sectors. The lending decision for such projects, notably the financing of micro, small and medium-sized enterprises, and renewable energy and energy efficiency initiatives, remains with these financial intermediaries. Promoters interested by this type of loan must therefore contact these intermediaries directly.

Bank and regional offices’ contacts

The EIB’s ACP-IF Department manages all of the Bank’s activities in the ACPs, the Republic of South Africa and the overseas territories, as well as the management of special mandates such as the Climate Change Mandate and the EU-Africa Infrastructure Trust Fund. ACP-IF Department comes under the EIB’s Directorate for Operations outside the European Union and Candidate Countries.

The ACP-IF Department works closely with the Projects, Legal Affairs and Risk Management Directorates, the Technical Assistance Unit and and the Monitoring Division.

The EIB has a physical presence in sub-Saharan Africa and the Caribbean and Pacific regions through its five regional offices:

Presence in the field is essential to help organize projects and manage client relations; to monitor projects and follow up in a timely manner; and to enhance communications and cooperation with local partners, donors, civil society, and European Union delegations.