EIF guarantees

Our EIF guarantees make it easier for SMEs to get financing for their product development or sustainable investments. The guarantees are part of the InvestEU Programme.

For green investments by SMEs and housing companies

We are promoting the green transition. The risk sharing guarantee provided by the European Investment Fund (EIF) is an ideal way to meet the various needs of SMEs and housing companies.

Boosts growth and product development in SMEs

The EIF guarantee makes financing more available to growing enterprises focusing on product, process or service development, or digitalisation.

Reduces the need for other collateral

An EIF guarantee will serve as collateral for your corporate loan, reducing your need for other collateral.

Lowers the cost of financing

The EIF guarantee reduces the bank's risk. This enables us to grant a loan at a lower interest rate.

We will grant an EIF guarantee when you apply for financing

We will assess your eligibility for an EIF guarantee during the financing negotiations, so that you only need to deal with your bank.

Would you like to discuss your plans before you apply for financing?

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What is the EIF guarantee?

We can offer SMEs and housing companies a risk sharing guarantee from the European Investment Fund (EIF). This eases the availability of bank financing for investments promoting renewal and growth.

  • An EIF guarantee is granted based on the purpose of the investment or the company’s green business model.
  • It reduces the need for other collateral, as it covers up to 80% of the loan collateral.
  • The EIF guarantee reduces the bank's risk. This enables us to grant a loan at a lower interest rate.
  • We assess the customer's eligibility for an EIF guarantee when processing the loan application.
     

The European Investment Fund (EIF) guarantees we provide are part of the InvestEU programme. The financing solutions we provide benefit from support from the InvestEU Fund.

For what kinds of projects and business models can you get an EIF guarantee?

Sustainable solutions by SMEs

  • Ideal for SMEs pursuing goals such as energy efficiency, use of renewable energy sources and environmentally sustainable materials, circular economy solutions or low emissions. 
  • Granted for loans of up to 15 million euros. 

Sustainable solutions by housing companies

  • Ideal for housing companies pursuing goals such as energy efficiency, use of renewable energy sources, or low emissions.
  • Granted for loans of up to 15 million euros. 

Product and service development and digitalisation by SMEs

  • Suitable for innovative, growing companies engaged in digitalising their operations and making significant investments in product, service or process development.

The EIF guarantee facility is a risk sharing guarantee granted by the European Investment Fund, on the basis of which the EIF will compensate for its guaranteed portion of any potential final losses. Final losses mean a matured principal and interest that cannot be covered through the liquidation of other guarantees, personal guarantees or collateral securities. Personal guarantors and other guarantors are subject to a full charge for their guarantee portion. Similarly, collateral will be liquidated before filing a claim related to risk sharing guarantee.

Sustainable finance solutions for SMEs

We will finance your company’s sustainable investments. Read more about the options we provide.

Green loan

With our green loan you can finance your company’s sustainable investments.