Access to finance
Access to EU finance
This site will help you to apply for finance supported by the European Union. To access EU finance, click on your country to locate banks or venture capital funds that provide finance supported by the EU:
Access to EU Finance
The European Union (EU) supports entrepreneurs and businesses with a wide range of EU programmes (2007-2013) providing loans, guarantees, venture capital and other equity financing. These financial instruments are managed by financial intermediaries such as banks, venture capital funds and other financial institutions.
How it works
The decision to provide a loan, guarantee or venture capital/ equity financing will be made by the local financial institution. The exact financing conditions -the amount, duration, interest rates and fees- depends on the financial institution.
The Competitiveness and Innovation Framework Programme
- provides guarantees in order to increase the supply of debt finance to SMEs
- increases the supply of equity for SMEs
Structural Funds enhance the supply of loans, guarantees, venture capital/equity or grants for SMEs. Member States can use part of the allocation of the Operational Programme(s) co-financed with the European Regional Development Fund and European Social Fund for this purpose.
Progress Microfinance increases the availability of microloans (up to € 25,000), including for disadvantaged and underrepresented groups, for starting or developing a microenterprise (with less than 10 employees).
7th Framework Programme for Research and Technological Development
The Risk Sharing Finance Facility improves access to debt financing for private and public companies undertaking R&D and innovation projects. It targets primarily innovative midsized and larger companies.
It includes also a Risk Sharing Instrument to increase the supply of debt financing to SMEs and small mid-caps (companies with fewer than 500 employees) that have innovation potential or a focus on R&D and innovation.
European Investment Bank Group
European Investment Bank is the long-term financing institution of the European Union. It improves access to finance for SMEs as part of its support for growth and jobs in Europe.
European Investment Fund is part of the European Investment Bank Group and its central mission is to support micro, small and medium-sized businesses.
The European Investment Fund manages a wide range of EU financial instruments which are delivered through financial intermediaries such as banks, equity funds and other financial institutions.
Direct access to all open calls for proposals published by the Commission (among them, many SME-specific programmes).
Dig deeper, country by country: