Note: There are many financing possibilities offered by European financial institutions and, with them, national ones. On this page we point out some of them, referring to the website of the European Investment Bank for the complete list.

The EU financing 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.

In some cases, special conditions are reserved for SMEs: check the SME self-assessment questionnaire.

A wide range of financing is available: 

1. business loans
2. micro-finance
3. guarantees,
4. venture capital

Every year the EU supports more than 200 000 businesses.

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Who is eligible for EU financing?

Apart from the EU-funded programs, whose resources are divided into priority chapters and made available through funding calls, 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. 
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How it works the EU financing

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.
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InnovFund

The Innovation Fund is one of the world’s largest EU funding programmes for the demonstration of innovative low-carbon technologies. For small and large projects.

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InvestEU

With €26.2 billion, InvestEU could mobilises  more than €372 billion across the EU, of which 30% will contribute to climate objectives.
The programme will be structured around four 4 policy windows:

1. Sustainable infrastructure
2. Research, innovation and digitisation
3. SMEs
4. Social investment and skills

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Cultural and Creative Sectors Guarantee Facility

Debt Product
Launched under the framework of the Creative Europe programme (2021-2027), the EU Cultural and Creative Sectors Guarantee Facility benefits micro-businesses and medium-sized enterprises (SMEs) in the cultural and creative sectors, which often face difficulties in accessing affordable debt financing for their projects.

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Programme for Employment and Social Innovation (EaSI)

Inclusive Finance
EaSI is centred on the following main policy priorities: Employment and skills, Labour markets and Labour mobility, Social protection, Active inclusion and Working conditions.

​For the period 2021 – 2027, EaSI programme is a strand under the European Social Fund Plus (ESF+) and is also available on the indirect funding page (EU funds managed by Member States)

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European Structural and Investment Funds (ESI funds)

ESI, indicates  5 european actions for structural interventions on Agriculture, Rural development, Employment & Social Inclusion, Regional Development and Fisheries. 

To do this, EU activated a Debt Products, five financial instrument.

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Single Market Programme (SMP)

With a budget of €4.2 bn, the Single Market Programme (SMP) covers the single market, competitiveness of enterprises, including small and medium-sized enterprises, the area of plants, animals, food and feed, and European statistics.
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