Intermediated loans for SMEs, mid-caps and other priorities

We make loans to financial institutions which subsequently
"on-lend" to final beneficiaries. Our support improves access to finance and financing conditions for SMEs and mid-caps.

 

Attractive pricing

Our pricing reflects the EIB’s advantageous funding conditions on the market.

 

Long tenors

Our financing terms consider the economic life of each project.

 

Signalling effect

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

 

Finance for small businesses

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

Who is eligible

Depending on the criteria agreed with a specific intermediator, the following final beneficiaries are eligible:

What is eligible

The intermediated loans are to finance small investments by:

  • SMEs and mid-caps into tangible and intangible assets, including purchase or renovation of assets, long-term working capital, etc.
  • Local authorities and public sector entities or private promoters of any size, in projects promoting at least one of the EIB’s priorities.

Who is eligible

As an intermediary financial institution:

  • Commercial banks
  • Leasing companies
  • National promotional banks or institutions

What is eligible

The intermediated loans are to finance small investments by:

  • SMEs and mid-caps into tangible and intangible assets, including purchase or renovation of assets, long-term working capital, etc.
  • Local authorities and public sector entities or private promoters of any size, in projects promoting at least one of the EIB’s priorities.

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

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