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EIF finance encourages investments

OP is the first lender in Finland that has agreed on the SME InnovFin financing model with the European Investment Fund (EIF). OP extended the model through the SME Initiative risk-sharing guarantee facility in the beginning of 2017. The EIF’s risk-sharing guarantee facility is aimed at boosting investments and improving the availability of financing to SMEs. SME InnovFin risk-sharing guarantee facility is available through OP. SME Initiative facility has been fully exploited.

Benefits from the EIF risk-sharing guarantee for your company

  • Opportunity to get loan at lower-cost.
  • The EIF’s 50% risk-sharing guarantee facility reduces your company’s collateral requirement and financing risk associated with your project.
  • Negotiating the loan and receiving the risk-sharing guarantee facility are available through OP on a one-stop-shop basis.

Does the risk-sharing guarantee suit your company?

EIF financing is targeted at unlisted SMEs in need of financing for profitable investments and working capital.

SME InnovFin is a good financing solution, especially when your company is growing fast or is innovative and invests significantly in product, service and process development. The risk-sharing guarantee facility suits SME with a staff of less than 500.

SME Initiative is suitable for SMEs to finance investments on a more extensive basis employing less than 250 people. The risk-sharing guarantee facility is restricted by government aid granted within three financial years through De minimis regulation. The risk-sharing guarantee is fully exploited.

Take a closer looks at risk-sharing guarantee facilities:

Further information about SME InnovFin

Financing is supported by the InnovFin SME Guarantee Facility, with the financial backing of the European Union under Horizon 2020 Financial Instruments and the European Fund for Strategic Investments (EFSI) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing.

Further information about SME Initiative
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The Financing benefits from support from the European Union pursuant to the SME Initiative, with funding by the European Union under the ERDF and Horizon 2020, by the Republic of Finland and by the European Investment Fund and the European Investment Bank.