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    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