EIB and CaixaBank Forge €450 Million Guarantee to Mobilize €900 Million for Spanish SMEs and Mid-Caps

EIB and CaixaBank Forge €450 Million Guarantee to Mobilize €900 Million for Spanish SMEs and Mid-Caps

(IN BRIEF) The EIB has agreed a €450 million risk-sharing guarantee with CaixaBank, enabling up to €900 million in new loans to Spanish SMEs and mid-caps for working capital, liquidity, and investments in green and digital initiatives. Of this amount, €180 million is reserved for agricultural projects to drive farm modernization, rural development, and regional cohesion. The deal aligns with the EIB Group’s Strategic Roadmap 2024–2027 priorities, particularly supporting the agricultural and bioeconomy sectors and promoting cohesion.

(PRESS RELEASE) LUXEMBOURG, 1-Jul-2025 — /EuropaWire/ — The European Investment Bank (EIB) has signed a €450 million risk-sharing guarantee agreement with CaixaBank to underpin up to €900 million in new lending for Spanish small businesses and mid-caps. By mitigating CaixaBank’s credit risk and capital requirements, this facility will unlock financing for working-capital and liquidity needs, as well as investments in green and digital transition, competitiveness, and innovation.

Crucially, €180 million of the guaranteed loans will be earmarked exclusively for agricultural-sector projects. This dedicated tranche will support farm modernization, rural development, and regional cohesion, bolstering Spain’s agricultural and bioeconomy sectors.

This operation exemplifies the EIB’s role in deploying financial instruments that share risk with commercial intermediaries, thereby expanding credit access to SMEs and mid-caps. It directly advances the EIB Group’s 2024–2027 Strategic Roadmap by backing the agricultural and bioeconomy sectors and fostering economic, social, and territorial cohesion.

Background information

EIB

The European Investment Bank (ElB) is the long-term lending institution of the European Union, owned by its Member States. Built around eight core priorities, we finance investments that contribute to EU policy objectives by bolstering climate action and the environment, digitalisation and technological innovation, security and defence, cohesion, agriculture and bioeconomy, social infrastructure, the capital markets union, and a stronger Europe in a more peaceful and prosperous world.

The EIB Group, which also includes the European Investment Fund (EIF), signed nearly €89 billion in new financing for over 900 high-impact projects in 2024, boosting Europe’s competitiveness and security.

All projects financed by the EIB Group are in line with the Paris Climate Agreement, as pledged in our Climate Bank Roadmap. Almost 60% of the EIB Group’s annual financing supports projects directly contributing to climate change mitigation, adaptation, and a healthier environment.

In Spain, the EIB Group signed new financing worth €12.3 billion for over 100 high-impact projects in 2024, contributing to the country’s green and digital transition, economic growth, competitiveness and better services for its people.

High-quality, up-to-date photos of the organisation’s headquarters for media use are available here.

CaixaBank

CaixaBank is the leading bank in Spain, with assets of more than €630 billion, 20.3 million customers and the largest network of branches and ATMs in the country. CaixaBank also has a strong presence in Portugal, where it controls 100% of BPI.

The bank develops a socially responsible universal banking model with a long-term vision, based on quality, proximity and specialisation. Its positioning as a leading bank enables it to play a key role in contributing to sustainable economic growth and the financial inclusion of vulnerable groups and rural areas.

The bank’s value proposition is based on products and services adapted to each customer segment, with a strong innovation component that enables it to offer the best tools and expert advice on decision-making for financial wellbeing.

Media Contact:

Maite Cordero
m.corderomunoz@eib.org
+34 606 66 82 62

Press Office

press@eib.org
+352 43791

SOURCE: European Investment Bank