Guarantee schemes

TOGETHER WITH YOU WE WILL FIND EFFICIENT SOLUTIONS FOR YOUR BUSINESS AND FAVOURABLE SOURCES OF FINANCING WITH THE SUPPORT OF GUARANTEE SCHEMES

Loans for SMEs and Small Mid-Caps at lower interest rates with the guarantee from InvestEU Fund

Unitil December 2027, UniCredit Bank offers loans at lower interest rates for small and medium sized enterprises and small mid-caps. Investment and working capital loans within thematic products “Sustainability SMEs and Small Mid-Caps" and “Innovation & Digitalization” are intended for sustainable enterprises and projects and/or for innovation and digitalization measures. The loans benefit from support from the European Union under the InvestEU Fund.

The offer is valid as long as the funds are available.

For more information we invite you to contact your relationship manager or our contact center 01 5876 000.

PRODUCT	SUSTAINABILITY	INNOVATION & DIGITALIZATION
Goal	Support to green transition, sustainable and inclusive investments.	Improvement of competitiveness of companies which are innovative, invest into innovation or are digitalization-oriented.
Borrowers	Small and medium sized enterprises and small mid-caps (fewer than 500 employees as per Commission Recommendation 2003/361/EC), which meet at least one of 20 criteria of “sustainable enterprise”, “green investment” or “social accessibility investment”, are not active in restricted sectors (casinos, tobacco, production of weapons, fossil-fuels based energy production…) and are not in an exclusion situation (bankruptcy, insolvency, non-payment of taxes…). More info about thematic eligibility criteria here.	Small and medium sized enterprises and small mid-caps (fewer than 500 employees as per Commission Recommendation 2003/361/EC), which meet at least one of 22 criteria of »innovation and digitalization«, are not active in restricted sectors (casinos, tobacco, production of weapons, fossil-fuels based energy production…) and are not in an exclusion situation (bankruptcy, insolvency, non-payment of taxes…).
Purpose of the loan	Financing of investments, working capital and business transfers
Tenor of the loan	Min 12 months, max until December 30th 2039 (except for some specific structures)
Max. amount of the loan	EUR 8,250,000
Benefit for the borrower	Given the InvestEU guarantee by the guarantor EIF from InvestEU Fund, which is treated as material collateral, the loan has a lower interest rate and thus the borrower gains from enhanced access to financing.

UniCredit Bank, in cooperation with the European Investment Bank (EIB), is offering more favorable loans for medium-sized enterprises (Mid-Caps) as part of the Growth for Mid-Caps (G4M) guarantee scheme until the end of 2028.

The offer is valid as long as the funds are available. For more information we invite you to contact your relationship manager or our contact center 01 5876 000.

PRODUCT	Growth for Mid-Caps (G4M)
Goal	Support for growth-oriented investments and investments supporting projects that meet climate action and environmental sustainability (CA&ES) criteria.
Borrowers	Mid-cap companies registered in Slovenia (250–2,999 employees OR less than 250 employees with an annual turnover of over €50 million and assets of over €43 million), which are not in non-compliant jurisdiction, subject to exclusion or sanctions by the EIB, involved in excluded activities (e.g. tobacco, gambling, weapons, environmentally harmful projects) and are not in an exclusion situation (bankruptcy, insolvency, negative credit history, etc.).
Tenor of the loan	Minimum 12 months, maximum 10 years
Max. amount of the loan	40.000.000 EUR (amount depends on the company's credit rating)
Purpose of the loan	Financing of investments, working capital
Guarantee coverage	50% of the approved principal amount
Benefit for the borrower	Companies receive improved access to financing under a guarantee scheme offered by UniCredit Bank in cooperation with the European Investment Bank (EIB).