Funding associated with investigation or inquiry that may lead to the creation or use of Intellectual Property

Funding associated with the creation of new, breakthrough or disruptive science or technology

Funding that requires collaboration between industrial and academic partners

Funding or support to prove the market value, function or application of a product or service idea

Funding or support related to the design and manufacture of a prototype product or system

Funding or support related to the design processes associated with the product development cycle

Funding or support related to manufacture, supply chain, or design for manufacture , or reducing costs

Funding or support related to the design and development processes, related to product commercialisation

Funding or support associated with "selling" a product or service, or increasing revenues

Funding or support associated with the early stages of company formation and growth

Funding or support associated with skills, training or employee development

Funding or support to assist companies to globalise or internationalise their products or services

European Investment Bank Individual Loan

 

* The conditions of financing are adapted to the investment type. Adequate security is needed, such as that provided by a bank or banking syndicate, a financial institution, or a large diversified parent company with a good credit rating.
* The EIB finances projects in most sectors. To be eligible projects must contribute to EU economic policy objectives. See http://www.eib.org/projects/topics/index.htm for details.

Individual loans (direct loans) are granted to projects where the total investment cost exceeds EUR 25 million (EUR 10 million in the case of ACP). The EIB may finance a maximum of 50% of the total cost of any project. Individual loans are available to promoters in both the public and private sectors, including banks.

The Bank can offer: fixed rates, revisable fixed rates, convertible rates.
Fees: The EIB does not normally charge commitment fees or non-utilisation fees. Fees for a project’s appraisal and required legal services may be applicable in certain cases.
For projects where the total cost is under EUR 25 million, the EIB provides intermediated loans (credit lines) to local, regional and national banks.
The lending decision for EIB loans via credit lines remains with the financial intermediary. Promoters interested in EIB financing for projects under EUR 25 million should contact the banks and other intermediaries involved directly (see http://www.eib.org/attachments/lending/inter_uk.pdf for a full list) with a detailed description of their capital investment together with the prospective financing arrangements.

No special formalities are involved for the submission of applications to the EIB for individual loans. Project promoters are required simply to provide the Bank's Operations Directorate with a detailed description of their capital investment together with the prospective financing arrangements. See http://www.eib.org/attachments/application_documents_en.pdf for more detail.
Initial contacts to discuss a proposed project can be in any form, by telephone, fax, e-mail or letter. The project promoter should provide sufficient information to allow the EIB to assess whether the project adheres to EIB lending objectives and has a well-developed business plan.