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The EIB Group’s action in support of guarantee instruments

To increase the impact of its lending and facilitate small businesses’ access to finance, the EIB Group helps banks and funds by taking on part of their risk.

  • In certain cases and with certain partner banks, the EIB provides a guarantee in addition to the funds that it grants.

    • The eligibility criteria and lending terms for the loan component are the same as for EIB Loans for SMEs (see “Financing your investment loans”).
    • By incorporating risk sharing with certain intermediary banks into these loans, the EIB increases its impact and the effectiveness of its SME financing activity.
  • The EIF supports a broad range of financial intermediaries (banks, guarantee funds, mutual guarantee institutions, microcredit organisations) by providing them with two types of guarantee instrument:

    • Credit enhancement and securitisation of SME loan portfolios
    • Guarantees and counter-guarantees for SME loan and leasing or microcredit portfolios under Commission competitiveness and innovation programmes.

To find out more go to http://www.eif.org/what_we_do/guarantees/index.htm


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