Six portfolio guarantee products under InvestEU to improve access to debt finance in specific policy areas
Our interactive brochure on InvestEU, including a more detailed summary of the equity product, commercial terms and application process is available in our digital library.
https://engage.eif.org/investeu/guarantees
Sustainability Portfolio Guarantee Product
Financing for sustainable enterprises, as well as green investments and enhancing accessibility which contribute to Europe’s green and sustainable transition. Including:
- Climate change mitigation & adaptation
- Transition to circular economy
- Water resources & pollution prevention and control
- Protection & restoration of biodiversity and ecosystems
- Sustainable forests & agricultural practices
- Social accessibility investments
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Find here more resources related to the scope and implementation of our InvestEU Sustainability Guarantee, including the assessment tool for financial intermediaries. |
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SME Competitiveness Portfolio Guarantee Product
Financing for SMEs which are perceived as higher risk or lacking collateral to improve the competitiveness of European enterprises. Including:
- To finance enterprises which would otherwise not be granted loans (such as start ups or other categories of SME that are typically excluded )
- To provide improved conditions e.g. increased maturities, reduced collateral
- To provide new types of financing e.g. subordinated loans
- To provide solvency & recapitalization support for SMEs negatively affected by the COVID19 pandemic
Innovation and Digitalisation Portfolio Guarantee Product
Financing to support innovation and digitalisation-driven enterprises to help drive Europe’s economic growth and global competitiveness. Including:
For innovation:
- Substantially improved products, processes, services, intellectual property investment or organizational approach
- Fast growing or R&I-intensive enterprises
For digitalisation:
- Digitalisation of business models, supply chain management, CRM, business development, cybersecurity, training, upskilling & more
Cultural and Creative Portfolio Guarantee Product
Financing for enterprises to support a thriving, agile and profitable European creative and cultural space, & one which is adaptable to change. Including:
- Heritage, archives, libraries
- Books & press
- Visual arts
- Architecture
- Performing arts
- Audio/visual & multimedia
- Education
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List of CCS Financiers, CCS Prizes and CCS tax credits and exemptions - version 1 (PDF) - published on 10 February 2023 |
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Micro and Social Portfolio Guarantee Product
Financing for microenterprises and social enterprises to contribute to a caring and compassionate European social ecosystem. Including:
- Microfinance: to provide sustainable employment and social inclusion - in particular for vulnerable groups
- Social enterprises: to support active labour market participation & job creation in this still nascent market for a more inclusive EU
Skills and Education Portfolio Guarantee Product
Financing for students, learners, enterprises investing in the skillset of their workforce; education providers and providers of additional services in education for a better response to the EU economy's needs for skills. Including to:
- Boost access to learning for all and foster a more robust and adaptable labor market
- Enable skills development that will drive the shift towards the green and digital transformations
How to apply?
The EIF selects financial intermediaries based on a call for expression of interest and a standard selection process including due diligence. The call documents for the InvestEU Guarantee Products are available here.