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=== Loans === The European Investment Bank provides long-term [[loan]]s, typically up to 50% of a project's overall cost, for the public and the private sector, and for small and medium-sized businesses through intermediated lending partners.<ref>{{Cite web|title=Financial Instruments|url=https://aecm.eu/guarantees/financial-instruments/|access-date=2021-04-28|publisher=AECM|language=en-GB}}</ref> The EIB's private sector financing of single large investment projects or investment programmes start from β¬25 million. It offers framework loans starting from β¬100 million to public sector entities for investment programmes that consist of a number of smaller projects. Loans for both private and public sector projects have to be aligned with one or more priorities of the EIB. Besides direct debt financing or project finance for the private sector, the EIB makes loans to intermediaries including [[Groupe BPCE]] (France), [[Deutsche Bank|Deutsche Bank AG]] (Germany), or [[Intesa Sanpaolo]] (Italy) that provide small and medium-sized businesses with local and targeted funds up to β¬12.5 million and below the EIB's threshold for direct private financing of β¬25 million.<ref>{{Cite web|title=Financial intermediaries|url=https://www.eib.org/intermediarieslist/search/result?country|access-date=2021-04-28|website=www.eib.org}}</ref><ref>{{Cite web|title=The European Investment Bank: supporting the circular transition with awareness building, advisory and financing Β» Circular City Funding Guide|url=https://www.circularcityfundingguide.eu/case-studies/the-european-investment-bank-supporting-the-circular-transition-with-awareness-building-advisory-and-financing/|access-date=2021-04-28|website=Circular City Funding Guide|language=en-US}}</ref>
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