Access to 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:
How it works
Access to EU Finance
The European Union supports entrepreneurs and businesses with a wide range of EU programmes providing ﬁnancing through local financial institutions. Every year the EU supports more than 200.000 businesses.
Who is eligible for EU funding?
Funding is available for start-ups, entrepreneurs and companies of any size or sector. A wide range of financing is available: Loans, guarantees, equity funding and other.
How it works
The decision to provide EU financing will be made by the local ﬁnancial institutions such as banks, guarantee societies or equity investors. Thanks to the EU support the local financial institutions can provide additional financing to businesses.
The exact ﬁnancing conditions – the amount, duration, interest rates and fees – are determined by these ﬁnancial institutions. Contact one of over 1000 financial institutions to find out more.
Your right for credit feedback
You have a right to get feedback from credit institutions on their credit decision. This can help you understand your financial position and improve your chances to obtain financing in the future. Use your right and refer to Article 431 of the EU Capital Requirements Regulation 2013.
- Guarantees to small and medium-sized enterprises for loans mainly up to EUR 150 000
- Equity (growth and expansion stage)
InnovFin Programme (Horizon 2020)
- Loans and guarantees to innovative businesses
- Financing of research & development projects
- Equity (early and start-up phase)
The SME instrument offers funding and coaching support to innovative SMEs (Phase 1: Concept & Feasibility, Phase 2: Demonstration, Market Replication and R&D, Phase 3: Commercialisation)
- Loans to small and medium-sized enterprises in the cultural and creative sectors
- Microloans up to EUR 25 000 to micro-enterprises and to vulnerable persons who wish to set up or develop a micro-company
- Investments up to EUR 500 000 to social enterprises
European Structural and Investment Funds (ESI funds)
- Loans, guarantees, equity financing or grants to businesses.
Support is provided from multi-annual programmes co-ﬁnanced by the EU.
European Investment Bank group is the long- term ﬁnancing institution of the European Union and provides financing to investment projects and businesses.
How can I get direct EU grants?
EU provides also grants aimed at specific policy objectives like research or education. Some of these can be relevant for businesses. All grants are accessed through calls for proposals at specified times.