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Access to finance

Updated 04/2014

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

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.

How it works

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

http://ec.europa.eu/cip/index_en.htm

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.
http://ec.europa.eu/regional_policy/thefunds/instruments/jeremie_en.cfm

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).
http://ec.europa.eu/social/main.jsp?langId=en&catId=836

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.
http://www.eib.org/products/rsff/index.htm?lang=en&

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.
http://www.eif.org/what_we_do/guarantees/RSI/index.htm

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.
http://www.eib.org/projects/topics/sme/index.htm

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.
http://www.eif.org/EIF_for/sme_finance/index.htm

Direct access to all open calls for proposals published by the Commission (among them, many SME-specific programmes).
http://ec.europa.eu/contracts_grants/index_en.htm

Help & advice

Help & advice

Check the financial health of your business
This screening questionnaire can help you spot early signs of trouble and tells you where to get help & advice in each EU country.

Your Europe Advice is a source of expert advice for any issues you encounter in another EU country that involve EU law.

E-mail a business organisation near you

The EU runs a network (Enterprise Europe Network) of local business organisations in most European countries that may be able to help you.

Choose your country and town and enter your enquiry below.

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