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Guarantees in support of SMEs, mid-caps and other objectives


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Extended credit limits

Alleviation of internal limits to extend lending (e.g. due to concentration issues by sector or borrower).

 

Risk mitigation

Credit risk protection and possible reduction of the portfolio’s economic capital allocation.

 

Flexible tenors

Tenor of the guarantee linked to the maturity profile of the underlying exposure.

 

Bespoke financing

Funded or unfunded guarantee structures can both be considered.


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Who is eligible

  • Commercial banks
  • National promotional banks and institutions
  • Other financial institutions

What is eligible

The Bank can share risk on assets aligned with one or more EIB priorities. Those assets can be either:

  • Pre-existent, where the guarantee comes with the obligation to create a new portfolio of loans at a pre-defined volume or (a de-linked structure)
  • To be created during an agreed ramp-up period (usually two to three years) or until the portfolio reaches a pre-defined volume (a linked structure).

Replenishment of existing portfolio may be considered on a case-by-case basis. Reimbursement for a fixed percentage of incurred losses typically amounts to a maximum of 50%.

Find information on pricing, geographical availability and other terms. Depending on the project, it may also qualify for support under our mandates or third party resources.

Financing options

  • Risk-sharing guarantees (linked and de-linked)
  • Supply chain (reverse factoring) guarantees
  • Trade finance guarantees
  • Microfinance

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Project cycle

A project financed by EIB typically goes through seven major stages: proposal, appraisal, approval, signature, disbursement, monitoring/reporting and repayment.


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Loans  

Lending to clients of all sizes to support sustainable growth and job creation

Equity  

Through our investments in equity and funds we stimulate and catalyse private capital

Guarantees  

Covering risks of large and small projects, as well as loan portfolios

Advisory services  

Technical and financial expertise for our clients

  • Last modified-on: 10-07-2019