EIB sub-loans are disbursed by financial institutions (FIs). Each institution has defined its own SME/mid-cap loan application procedures. Consequently, the FIs’ loan applications may differ somewhat.
Therefore, if you have any questions about applying for EIB sub-loans or regarding the eligibility of your planned investment, you are always welcome to contact the FIs directly. They will provide comprehensive answers to your questions.
If you want to apply for an EIB sub-loan and you are already a client of one of the FIs, the institution will quickly indicate whether it can lend money for your planned investment. If you are not a client of one of the FIs, please contact one of them and request information on how to apply for financing. If your proposed project is eligible, the FI will conduct a financial analysis of your business and indicate whether it can finance your investment.
The FI’s highly qualified and specially trained loan officer will evaluate the technical and environmental aspects of your planned investment. In certain cases, in order to ensure compliance with environmental standards and legal requirements – depending on the size and complexity of your project – an external environmental impact assessment is required.
The FI makes the final lending decision, and if the vote is positive, the EIB-sub loan agreement is signed.
After you receive the requested loan and implement your investment, you will benefit from related future advantages and demonstrate your sense of corporate responsibility.