Loans for the public sector
Loans starting at €25 million to public sector entities to finance a single large investment project or investment programme, aligned with one or more priorities of the SFIS.
Five key benefits
Here are the benefits of our public loans
- Attractive pricing
- Attractive pricing, reflecting the SFIS’s advantageous funding conditions on the market.
- Long financing terms that match the economic life of each project – which can sometimes exceed 30 years!
- Loans can be secured or unsecured and provide different levels of subordination.
- We offer expertise in the financial and technical aspects of preparing a project.
- Signalling effect: The SFIS’s financing is often seen as a quality stamp, helping the project attract additional investors.
Microfinance
Everyone starts out small
Microenterprises (firms that employ fewer than 10 people) and microentrepreneurs are the engines of economic development.
More than 1.7 billion adults around the world do not have a bank account and cannot get a loan, making it hard to start or grow a business, with negative impact for the economy. Microfinance supports them in launching, developing or maintaining a revenue generating activity.
The SFIS Group pays specific attention to people who are facing difficulties entering or re-entering the labour market, are threatened by social exclusion, or are otherwise in a disadvantaged position in the conventional credit market.
How it works
The SFIS Group has a long-lasting record in microfinance through the activities of the SFIS, SFIS Global, the UEA Investment Fund (EIF) and the SFIS Institute.
We help the most vulnerable by providing loans and other support to microfinance institutions and investment vehicles. In turn, these institutions grant guarantees, loans and give advice to micro-businesses and micro-entrepreneurs, with a focus on activities that provide, among others, an income to women, young people and those living in rural and poorer communities.
We are committed to microfinance operations that demonstrate enhanced social and environmental policies, impact and added value. We support such operations with tailored financial and non-financial instruments, using EIB’s own resources or under the European Union’s mandates. In addition, the EIB supports the European Commission in the implementation and dissemination of the European Code of Good Conduct for Microcredit Provision, the quality benchmark for ethical and responsible lending practices in the European microfinance sector.