Four key benefits
Here are the key benefits of our intermediated loans for SMEs, mid-caps and other priorities
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.
Eligibility
Find out if financial support might be available to you
Depending on the criteria agreed with a specific intermediator, the following final beneficiaries are eligible:
- Micro-enterprises
- SMEs and mid-caps
- Large corporates
- National public sector agencies, departments, institutions and ministries
- Regional or local authorities
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.
- Intermediated lending: Find out how the EIB and its partners can help you start up or expand your business
- Discover more about EIF finance for SMEs
Are you an SME or mid-cap looking for finance?
The EIB cooperates with a wide range of financial intermediaries that offer financial products targeting small and medium-sized companies (also including micro-enterprises)
As an intermediary financial institution:
- Commercial banks
- Leasing companies
- National promotional banks or institutions
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.
- Loan for SMEs and mid-caps (L4SMEs)
- Loan for other priorities
- Microfinance
How to get a loan as a financial institution?
Contact the Information Desk for enquiries regarding the financing facilities, activity, organisation and objectives of the EIB.
Is your project eligible for green financing?
The Green Eligibility Checker offers a simple and effective way for financial intermediary staff to assess the eligibility of their client’s small scale, standardised investment projects for EIB green financing.
The checker supports financial intermediaries in originating, appraising and reporting on green investments financed through the EIB’s intermediated debt products.
Project cycle
A project financed by EIB typically goes through seven major stages: proposal, appraisal, approval, signature, disbursement, monitoring/reporting and repayment.
How to get support
Contact the EIB Information Desk for enquiries regarding the financing facilities, activity, organisation and objectives of the EIB.
Building a green future
We have aligned all our financing activities with the principles and goals of the Paris Agreement, a commitment that builds a pathway towards low greenhouse gas emissions and climate-resilient development.
Further reading
Discover how our products help the economy, create jobs and promote equality.