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InnovFin risk-sharing guarantee for innovative SMEs

The risk-sharing guarantee helps SMEs to develop and grow.

Suitable for innovative SMEs focusing on product development

Investing in your company’s growth will be easier than before.

Lower collateral required

The European Investment Fund (EIF) shares with OP the financing risk associated with your project and gives a 50% or 80% risk-sharing guarantee for your loan.

We will apply for the guarantee for you

We will together with your company assess conditions for financing and the risk-sharing guarantee facility and then make a loan decision.

A good financing solution when your company is growing fast or is innovative

OP has agreed on the InnovFin risk-sharing guarantee with the EIF. The risk-sharing guarantee facility improves the availability of financing to SMEs and makes it easier for you to invest in your company's growth.

The risk-sharing guarantee facility is a good financing solution, especially when your company is growing fast or is innovative and invests significantly in product, service and process development. 

InnovFin risk-sharing guarantee means financing at a lower cost. It reduces your company’s need for collateral because the EIF shares with OP the financing risk associated with your project and gives a 50% or 80% guarantee for your loan. Receiving an 80% risk-sharing guarantee for working capital financing is possible until 30 June 2021.

Does the InnovFin risk-sharing guarantee suit your company?

  • Your company is an unlisted SME, a Small Mid-cap, or a Large Mid-cap with less than 3,000 employees.
  • Your maximum loan need is 7.5 million euros (risk-sharing guarantee facility accounts for 50% or 80% of the loan).
  • Your company fulfils at least one of the specified innovation criteria.

We will assess conditions for financing and guarantee with your company and then make a loan decision. EIF guarantee facility is intended for profitable investments. 

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.