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    € 50,000,000
    Italy : € 50,000,000
    Credit lines : € 50,000,000
    Signature date(s)
    15/12/2021 : € 50,000,000

    Summary sheet

    Release date
    23 July 2021
    Signed | 09/12/2021
    Project name
    Promoter - financial intermediary
    Proposed EIB finance (Approximate amount)
    Total cost (Approximate amount)
    EUR 50 million
    not applicable

    Dedicated EIB loan to finance eligible investments by small and medium-sized enterprises (SMEs). Up to 60% of the operation will be dedicated to innovation.

    The loan will specifically be dedicated to SMEs making small-scale research and development (R&D) investments or projects promoted by innovative SMEs (as per "Industria 4.0 National Plan").

    Additionality and Impact

    The project supports the financing of small-scale investments carried out by SMEs in Italy. Up to 60% of the facility will be dedicated to SMEs making small-scale investments contributing towards R&D and to innovative SMEs in the framework of the Industria 4.0 National Plan launched by the Italian government to foster the competitiveness of Italian SMEs. 

    The project addresses market failures related to SMEs access to finance and technological development and innovation. The market failures deter these companies from obtaining cost-effective, long-term funding. By offering financing to SMEs in Cohesion regions, it helps the companies to remain and grow there.

    The EIB involvement is expected to generate positive effects, mainly in terms of availability of long term loans to SMEs and/or overall financing costs, which will be particularly appreciated by SMEs beneficiaries.

    The additional lending capacity provided through the EIB's intervention will generate positive effects on investments from the availability of long term financing and of overall lower financing costs.

    Environmental aspects

    Final beneficiaries will be requested to comply with applicable national and EU legislation, as appropriate.

    Final beneficiaries will be requested to comply with applicable national and EU legislation, as appropriate.


    Before financing approval by the Board of Directors, and before loan signature, projects are under appraisal and negotiation. The data provided on this page is therefore indicative and cannot be considered to represent official EIB policy (see also the Explanatory notes).

    General enquiries and comments

    The EIB is committed to open communication and encourages constructive stakeholder input regarding its activities.
    Enquiries and comments concerning the EIB’s involvement in a project or the financing facilities, activities, organisation and objectives of the EIB, can be sent to the EIB Infodesk.
    Alternatively, the EIB can be contacted through its external offices.
    Queries regarding details of a specific project, in particular when it is under appraisal by the EIB, should preferably be addressed directly to project promoters.

    Media enquiries

    Media-related enquiries can be addressed to the EIB Press Office. Please also visit our Media information section.

    Complaints mechanism

    Any complaint regarding alleged maladministration can be lodged via the EIB Complaints Mechanism. The European Ombudsman acts as an independent external accountability mechanism of the EIB.

    Zero tolerance against fraud and corruption

    The EIB has a zero tolerance policy on fraud or corruption. To report allegations of fraud and corruption relating to EIB-financed projects, please contact the Fraud and Investigation division. All complaints will be treated as strictly confidential and handled in line with the EIB investigation procedures and the Anti-Fraud Policy.

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