All 19 NEFI members share a public mission to facilitate access to finance for SMEs by offering them financial services and expertise. NEFI members act complementary to and in cooperation with the national banking system through co-financing, risk-sharing and advisory services in order to address shortcomings in the SME financial markets. This mission was entrusted to them by their governments and/or the legislation in force in their respective countries. Among other, similar tasks have been assigned to the member institutions in the fields of environment and infrastructure.

Austria

Austria Wirtschaftsservice

As a special federal bank, aws is one the most important instruments of the Austrian economic policy. On behalf of the federal government, aws develops selected long-term programs in order to stimulate growth and employment and to translate priorities of economic policies into action ...

Read more
AWS – Austria Wirtschaftsservice
Bulgaria

Bulgarian Development Bank

Bulgarian Development Bank was established as an economic growth contributing institution in April 2008. Its role is to implement the economic development policy of the Bulgarian State and promote and support the establishment and development of SMEs in Bulgaria ...

Read more
Bulgarian Development Bank, Bulgaria
Croatia

Croatian Bank for Reconstruction and Development

Established in 1992, HBOR supports systematic, sustainable and even economic and social development of the Croatian economy. In its activities HBOR pursues the strategic goals of the Republic of Croatia, promotes environmental protection, covers market gaps and acts as market developer in underserved niches ...

Read more
Croatian Bank for Reconstruction and Development (HBOR)
Czech Republic

Czech-Moravian Guarantee and Development Bank

CMZRB is a specialized state-owned banking entity aimed at contributing to the efficient economic development of Czech Republic. At present, CMZRB's main mission is to facilitate primarily SMEs' access to financing through specialised banking products and, in accordance with the economic policy aims of the Government and the regions of the Czech Republic, to assist in developing other selected areas of the economy that require public support ...

Read more
Czech-Moravian Guarantee and Development Bank
Estonia

Fund KredEx

Fund KredEx was founded in 2001 with a purpose to improve financing possibilities of enterprises, manage credit risks connected with export, enable people to build or renovate their home and develop energy-efficient way of thinking. Through years, KredEx has become a considerable link between the Estonian financing institutions and loan applicants, exporters and foreign buyers ...

Read more
Estonian Fund KredEx
Finland

Finnvera

Finnvera plc is a specialised financing company, owned by the State of Finland, which supplements the financial services offered by the private sector. Finnvera provides financing for various stages in the life of an enterprise: for its start, growth and internationalisation, and for exports. Finnvera has official Export Credit Agency (ECA) status. ...

Read more
Finnvera
France

Bpifrance

Bpifrance is a public-sector institution dedicated to economic development — and a key source of financing and other support for SMEs ...

Read more
Bpifrance
Germany

KfW Bankengruppe

KfW Bankengruppe is the promotional bank of the German state. It applies its expertise and strength to sustainably improve the economic, social and ecological conditions of people’s lives. Among other activities, KfW enables SMEs to invest in growing and strengthening their businesses ...

Read more
KfW Bankengruppe
Hungary

MFB Hungarian Development Bank Private Limited Company

MFB Hungarian Development Bank Private Limited Company (MFB) is a specialised financial institution, established in 1991, with the mandate to provide funds for Hungary’s medium and long-term development. The bank’s lending and investment operations are shaped by its development role and its role in funding the government’s development strategy and investment priorities. ...

Read more
Hungarian Development Bank (MFB)
Ireland

SBCI

The SBCI has a vital role to play in restoring an effective and sustainable market for SME financing in Ireland and a wider role in the long term as a conduit for State and European financing supports to all business sectors. ...

Read more
SBCI
Italy

Banca del Mezzogiorno - MedioCredito Centrale S.p.A

MCC was founded in 1952 and it is 100% owned by Invitalia, the Italian Governmental Agency for investment promotion and enterprise development. MCC’s programs cover various sectors of activity including research and innovation, agricultural, regional and industrial development, environmental protection and energy efficiency as well as various types of contributions like guarantees and counter-guarantees, interest subsidies, soft loans, grants and public equity or tax bonuses. ...

Read more
Banca del Mezzogiorno - MedioCredito Centrale S.p.A (BdM-MCC)
Latvia

Latvian Development Financial Institution Altum

Latvijas Attīstības Finanšu Institūcija Altum is a state joint stock company of Latvia with a specific mission – development of the national economy and creation of added value. As a result of transformation of the bank, provision of commercial services have been discontinued completely in year 2013. ...

Read more
ALTUM
Luxembourg

Societe Nationale de Credit et d'Investissement

SNCI is a public banking institution specializing in medium- and long-term financing of Luxembourg‑based companies by granting investment loans, loans for start-ups as well as loans for the financing of the take-over of businesses aimed at newly-created or transmitted SMEs. It also supports Luxembourg SMEs eager to develop their business abroad and become active on foreign markets ...

Read more
Societe Nationale de Credit et d'Investissement (SNCI)
Poland

Bank Gospodarstwa Krajowego

BGK is Poland's only state-owned bank and its primary business objective is to provide banking services for the public finance sector, in particular through the support of the government's economic programs, as well as local government and regional development programs implemented with the use of public funds, including those of the European Union ...

Read more
Bank Gospodarstwa Krajowego (BGK)
Slovakia

Slovak Guarantee and Development Bank

SZRB is a special financial institution (joint-stock company) owned by the Ministry of Finance of the Slovak Republic with the mission to support and develop small and medium-sized businesses on the basis of partnership and cooperation with commercial banks and other institutions supporting this segment ...

Read more
Slovak Guarantee and Development Bank
Slovenia

SID Bank

Slovenska izvozna in razvojna banka operates as a promotional, development and export bank and as a national export credit agency which performs insurance against non-marketable risks. SID Bank performs promotional and development activities in the areas of economic and development cooperation, entrepreneurship, innovation, education, ecology, energy, infrastructure and international trade, with primary aim to cover market gaps in the mentioned areas ...

Read more
SID Bank
Spain

Instituto de Crédito Oficial

ICO is a state-owned credit institution treated as a State Finance Agency, with its own legal status, assets and treasury, as well as an independent management to carry out its activities. The aim of ICO is to promote economic activities contributing to growth, the development of the country and improving the distribution of the national wealth ...

Read more
Instituto de Crédito Oficial (ICO)
Sweden

Almi Företagspartner

Almi is owned by the Swedish government and regional public owners, and is near to its customers in 40 locations around the country. Almi's vision is to create opportunities for all viable ideas and companies to be developed. With their advisory service, loans, venture capital and incubation, Almi has customers in all commercial phases, from ideas to successful companies ...

Read more
Almi Företagspartner
United Kingdom

BBB

The British Business Bank is a government-owned financial institution set up to support economic growth by making finance markets work better for smaller businesses in the UK. It uses funding and guarantees backed by the UK government to bring more private sector resources into small business lending and investment. ...

Read more
SBCI