Loans for the private sector

Loans to private sector entities to finance projects or investment programmes aligned with one or more priorities of the EIB. These products include debt and hybrid debt financing to project finance.
 

Attractive pricing

Attractive pricing, reflecting the EIB’s advantageous funding conditions on the market.

 

Long financing terms

Long financing terms that match the economic life of each project – typically up to 10 years for bullet loans, or the equivalent for amortising loans. For project finance, we can also manage maturities in excess of 30 years.

 

Bespoke financing

Loans can be secured or unsecured and provide different levels of subordination.

 

Project support

The EIB also offers expertise in the financial and technical aspects of preparing a project.

 

Signalling effect

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

Who is eligible

  • Large corporates or groups
  • Mid-caps
  • Special Purpose Vehicles for project finance (including PPPs and Concessions)

What is eligible

Investment costs (typically over a period of up to three years, but can be longer), such as for research and development expenditures on facilities or activities. The EIB typically covers up to 50% of a project’s total cost.  These loans typically start at €25 million and in certain cases the EIB will consider lower amounts.

Find information on pricing, geographical availability and other terms. Depending on the project, it may also qualify for support under our mandates or third party resources.

Financing options

  • Corporate loans
  • Growth finance for mid-caps
  • Project finance loans
  • Corporate hybrid debt

Project cycle

A project financed by EIB typically goes through seven major stages: proposal, appraisal, approval, signature, disbursement, monitoring/reporting and repayment.

 

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