El European Investment Bank (EIB) y Unicaja They have formalized a guarantee agreement for 200 million euros. This alliance will allow them to mobilize up to 400 million euros in new financing for SMEs and midcaps Spanish, prioritizing investment projects and liquidity needs in cohesion regions.
Details of the financial agreement and strategic objectives
This operation, the first guarantee agreement signed between the two entities, aims to expand the credit available to the backbone of Spain's productive sector. The fundamental objective is to enable companies to make investments that strengthen their competitiveness, resilience, and job creation capacity.
The financing will not only cover long-term investment projects, but can also be used to meet companies' working capital and liquidity needs. This move aligns with the priorities of EIB Group to promote economic, social and territorial cohesion within the European Union.
The key figures of the transaction are broken down below:
| Concept | Figure / Data |
|---|---|
| Guarantee provided by the EIB | 200 millones de euros |
| Total funding mobilized | Up to 400 million euros |
| Recipients | SMEs and midcaps (mid-cap companies) |
| Geographic focus | Spain (approx. 60% in cohesion regions) |
Impact on cohesion and the business fabric
The collaboration aims to channel funds effectively to areas that require greater economic stimulus. It is expected that approximately 60% of the companies benefiting from this new line of financing will be located in [location missing]. regions of cohesionThis approach makes the agreement a vital tool for reducing regional economic disparities.
Furthermore, this agreement supports the EU Capital Markets Union, promoting financial instruments that unlock capital and reduce the risk assumed by intermediary financial entities.
Assessments from the signatory entities
Gemma Feliciani, Director of Financial Institutions of ATFeliciani highlighted the importance of the operation for business growth: "This agreement with Unicaja reinforces the commitment both institutions have to supporting the competitiveness and resilience of Spanish small and medium-sized enterprises." He added that the mobilization of funds will allow for key investments, "especially in regions focused on social cohesion."
For its part, Jesus Ruano, Managing Director of Business for Companies of UnicajaHe described the support for SMEs as part of the bank's strategic vision: "Thanks to this new agreement, we can offer more flexible financial solutions adapted to the reality of businesses." Roan He also stressed that the agreement acts as a "lever to promote more and larger projects, while always maintaining rigorous risk control."
Key points and frequently asked questions about EIB-Unicaja financing
What types of companies can benefit from this financing?
It is primarily aimed at small and medium-sized enterprises (SMEs) and midcaps Spanish (mid-cap) companies that need funds for investment or liquidity.
What is the total volume of the operation?
El AT grants a guarantee of 200 million euros, which allows Unicaja to make up to 400 million euros in new financing available to the market.
Is there a geographical priority for granting loans?
Yes, one of the strategic objectives is economic cohesion, so it is expected that around 60% of the beneficiary companies will be located in EU cohesion regions.
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