Non-dilutive funding
The financing does not dilute the founders’ ownership stake, keeping motivation high, while complementing the equity capital.
Bespoke financing
Loans can be secured or unsecured and provide different levels of subordination (including contingent/participating loans).
Hands-off approach
The EIB assumes no direct involvement in daily management.
Signalling effect
The EIB’s financing is often seen as a quality stamp, helping the project attract additional investors.
Who is eligible
- SMEs and mid-caps
What is eligible
Investments in research & development (purchase or renovation of assets, increasing working capital, etc) which are undertaken over a period of up to 3 years. Minimum commitment of €7.5 million, covering a maximum of 50% of the total investment costs. Companies must be able to demonstrate sound corporate governance, viable business plans, and sustainable capital structures. The investments must target EIB priorities (especially Innovation and Skills).
Find information on pricing, geographical availability and other terms.
Financing options
Lending to clients of all sizes to support sustainable growth and job creation.
Through our investments in equity and funds we stimulate and catalyse private capital
Covering risks of large and small projects, as well as loan portfolios.
Technical and financial expertise for our clients