Loans

We lend to the public and private sectors. We support small companies through local banks and lend money to innovative start-ups. Mid-cap companies can receive direct support for research and development investments. 

 

Attractive pricing

The loan pricing reflects the EIB’s advantageous funding conditions on the market

 

Long terms

Our financing terms match the economic life of each project – which can sometimes exceed 30 years!

 

Up to 50% project cost covered

We typically cover up to 50% of a project’s total cost with loans starting at €25 million and even lower amounts in some cases.

 

Support for small businesses

To small and medium-sized enterprises our intermediated lending partners provide funds in amounts up to €12.5 million.

 

Project support

We offer our expertise in the financial and technical aspects of preparing a project, when needed.

 

Blended finance

Financing can be blended with additional sources of investment such as financial instruments and grants from the EU and other donors.

 

Signalling effect

EIB’s financing is often seen as a quality stamp, helping the project attract additional investors.

 

Bespoke financing

Loans can be secured or unsecured and provide different levels of subordination. Depending on the project, the loans can even be contingent on the company’s growth.

Loans starting at €25 million to public sector entities to finance a single 
large investment project or investment programme, aligned with one or 
more priorities of the EIB.

Sovereign statesGovernment organisationsRegional and local authoritiesPublic corporations

Flexible loans to finance an investment programme consisting of  
smaller projects. The loan will have pre-defined objectives, 
aligned with one or more priorities of the EIB.

Sovereign statesGovernment organisationsRegional and local authoritiesPublic corporations

Loans to private sector entities to finance projects or investment 
programmes aligned with one or more priorities of the EIB.
This product includes debt and hybrid debt financing.

SMEs and mid-capsLarge corporatesProject finance

Loans  

Lending to clients of all sizes to support sustainable growth and job creation.

Equity  

Through our investments in equity and funds we stimulate and catalyse private capital

Guarantees  

Covering risks of large and small projects, as well as loan portfolios.

Advisory services  

Technical and financial expertise for our clients