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SME InnovFin risk-sharing guarantee for innovative SMEs

OP has agreed on the SME InnovFin risk-sharing guarantee with the European Investment Fund (EIF). The risk-sharing guarantee facility improves the availability of financing to SMEs to make it easier for you than before 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. SME InnovFin risk-sharing guarantee means financing at a lower cost and reduces your company’s need for collateral because the EIF shares financing risk associated with a project with OP by giving a 50% guarantee for the loan.

Does the SME InnovFin risk-sharing guarantee suit your company?

  • Your company is an unlisted SME with less than 500 employees.
  • You need loan worth a maximum of 7.5 million euros (risk-sharing guarantee facility accounts for 50% of the loan).
  • Your company fulfils at least one of the innovation criteria shown below.
We will assess conditions for financing and guarantee with your company and 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.