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.
Here are the key benefits of our intermediated loans for SMEs, mid-caps and other priorities
Our pricing reflects the EIB’s advantageous funding conditions on the market.
Our financing terms consider the economic life of each project.
The EIB’s financing is often seen as a quality stamp, helping the project attract additional investors.
To small and medium-sized enterprises our intermediated lending partners provide funds in amounts up to €12.5 million.
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:
The intermediated loans are to finance small investments by:
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:
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.
Contact the Information Desk for enquiries regarding the financing facilities, activity, organisation and objectives of the EIB.
A project financed by EIB typically goes through seven major stages: proposal, appraisal, approval, signature, disbursement, monitoring/reporting and repayment.
More details on the project cycle
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.
Discover how our products help the economy, create jobs and promote equality.
Read more on the EIB blog
Our products and services focus on four areas: innovation and skills, small businesses, infrastructure, climate and environment, in the EU and developing countries.
Lending to clients of all sizes to support sustainable growth and job creation
Through our investments in equity and funds we stimulate and catalyse private capital
Covering risks of large and small projects, as well as loan portfolios
Technical and financial expertise for our clients