Last checked: 04/05/2021

Access to finance

This site will help you to apply for loans and venture capital supported by the European Union.

Select your country to search for financial opportunities.

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How it works

Who is eligible for EU funding?

EU Funding is available for all types of companies of any size and sector including entrepreneurs, start-ups, micro companies, small and medium-sized enterprises, and larger businesses. A wide range of financing is available: business loans, microfinance, guarantees and venture capital. Every year the EU supports more than 200 000 businesses.

How it works

The decision to provide EU financing will be made by the local financial institutions such as banks, venture capitalists or angel 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. You can 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.

How it works

EU funds

COSME Programme

  • Guarantees to small and medium-sized enterprises for loans mainly up to EUR 150 000.
  • Equity (growth and expansion stage).

InnovFin ProgrammeOpen as an external link (Horizon 2020)

  • Loans and guarantees to innovative businesses.
  • Financing of research & development projects.
  • Equity (early and start-up phase).

The EIC Accelerator (SME instrum ent) offers funding and coaching support to innovative SMEs (Phase 1: Concept & Feasibility, Phase 2: Demonstration, Market Replication and R&D, Phase 3: Commercialisation).

Creative Europe

  • Loans to small and medium-sized enterprises in the cultural and creative sectors.

Programme for Employment and Social Innovation (EaSI)

  • 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 business grants.

Support is provided from multi-annual programmes co-financed by the EU.

European Investment BankOpen as an external link and European Investment FundOpen as an external link

  • Business loans, microfinance, guarantees and venture capital.

European Guarantee Fund (EGF)Open as an external link

The EGF is a guarantee fund set up by EU Member States in response to the economic impact of the COVID-19 pandemic outbreak by ensuring that SMEs, midcaps and corporates in the participating Member States have sufficient liquidity available to weather the rapidly unfolding crisis.

Financing of digital transformation

The COSME Loan Guarantee Facility (LGF) supports the financing of digital transformation projects by SMEs in all sectors of the economy, regardless of their current level of digitalisation.

If you are a business looking for financing opportunities, go to our database to see the options available to you.

If you are a financial intermediary participating in the COSME digitalisation pilot, please proceed to the COSME digitalisation questionnaire. Please visit the EIF portalOpen as an external link for additional information about COSME support for the digitalisation of SMEs.

Privacy statement - Financial intermediariesPDF document

Related topics

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