EU Loans
EU Loans available within the framework of European Funds are a form of repayable financing for businesses. They differ from grants in that the entire capital (or a portion of it) must be repaid according to an agreed repayment schedule. This type of project financing is a good alternative to grants, especially in cases where there is no innovative aspect or the Investor cannot wait for a grant competition to be announced.
Among the key benefits of loans, the following should be mentioned:
- low interest rates: EU loans typically have lower interest rates compared to commercial financing options (such as bank loans or leasing), resulting in a more cost-effective financial solution;
- no need to wait for application rounds: Loan applications are usually accepted on a continuous basis, eliminating the need to wait for specific application periods;
- longer repayment periods: EU loans often allow for a longer repayment period compared to commercial financing, providing more flexibility in managing the debt;
- lower project requirements compared to grants: EU loans have fewer project requirements than grants, such as not necessarily requiring an innovative aspect;
- variety of loan types: There are various types of loans available, tailored to different types of investment projects (e.g., machinery purchase, renewable energy, real estate acquisition, working capital loans, etc.), ensuring that everyone can find a suitable loan option.
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