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    Access to Risk Finance

    Access to Risk Finance is part of the „Industrial Leadership“ pillar under Horizon 2020 and helps companies and other types of organisation engaged in research and innovation (R&I) to gain easier access, via financial instruments, to loans, guarantees, counter-guarantees and hybrid, mezzanine and equity finance.

    The European Investment Bank (EIB) and the European Investment Fund (EIF) play an important role including conducting calls for expressions of interest for selecting the financial intermediaries, such as banks, other lenders and risk-capital funds, that make the actual loans to or investments in SMEs and midcaps.

    Below a list of the most important financial instruments:

    Beneficiaries Financial
    mio Euro
    Debt Finance for
    Science Loan R&I Infrastructures Universities Research and Technology Organisations 25-300
    Loan Entities in countries having limited support under InnovFin 25-300
    MidCap Guarantee Guarantee to Financial Itermediaries Large Midcaps 0-50
    Corporate Research Equity Pilot Loan Large Midcaps 100-150
    Thematic Finance for R&I
    Energy Demo Projects (EDP) Loan Commerical-scale Industrial Demonstration Projects 7.5-25
    Infectiouis Diseases (ID) Loan SMEs, Midcaps, Special Project Vehicles, Research Instiutions and Other Legal Entities 7.5-75
    SMEs & Small Midcaps Service
    SME Guarantee (SMEG) Guarantees to Financial Intermediaires R&I Driven SMEs and Midcaps 0.025-7.5
    Equity Equity Financing through Financial Intermediaires SMEs, Small Medcaps
    EIC Horizon Prizes
    InnovFin Advisory

    'Midcaps' are deemed to be enterprises comprising 250 to 3000 employees (in full-time equivalents). They are divided into 'small midcaps' of between 250 and 499 employees, and 'medium and large midcaps' of from 500 to 3000 employees.

    All serviced are delivered through financial intermediaries (except InnovFin Science, InnovFin Energy Demo Project and InnovFin Infectious Diseases).

    Key Information

    Swiss eligibility:                       Switzerland is fully associated to Horizon 2020 
    Horizon 2020 Funding:           Participant Portal
    Topic search:                           Find your topic
    Types of projects, eligibility:   Factsheet

    For information about the next Research and Innovation Framework Programme FP9 (2021-2027), please visit our Horizon Europe webpage.

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    Stefan Fischer

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