We tailor our financing to the specific needs of the borrower and the project, in line with sound banking
practice and procedures. Borrowers can be both public and private, from within or outside the EU. Our
traditional financing instruments are medium and long-term loans, with fixed or variable interest rates, in euros
or other currencies. For projects of at least €25 million we provide individual loans covering up to 50 percent
of the investment cost. For projects of less than €25 million, we provide indirect lending through intermediated
loans to partner banks (via so-called credit lines).
We can also finance research, development and innovation projects–an area that often involves greater risk
and where it is therefore more difficult to obtain funding–by using the Risk-Sharing Finance Facility (RSFF). This
joint initiative of the EIB and the European Commission is aimed at private companies or public institutions with
a higher than average risk profile.
EIB financing may be accompanied by EU grants to finance investment promoting the reduction of energy
consumption. Also we offer technical assistance to help improve the quality and sustainability of urban
investment projects and ensure that they comply with EU policies and standards. This technical assistance can
range from overall feasibility studies to more specific studies on specific implementation issues.
Photo: EIB
SPONSORED STATEMENT
As urban public transport projects are only
rarely financially self-supporting and usually face
substantial operating deficits, the EIB uses its
financial and technical experience to help meet
their specific needs
The Royal Eye Hospital, Manchester in the UK has been redeveloped through EIB funding