Loan products

Flexibility and expertise

NIB is a flexible partner responding to customers' needs and providing tailor-made loans and guarantees. NIB is operating worldwide and provides private and public projects with complementary long-term financing.

Loan products

Corporate loans

Corporate loans in NIB's member countries constitute the main part of NIB's lending activities in terms of volume.

Loan programmes

Loan programmes are disbursed in several tranches through intermediaries.
Loan programmes are largely being used in countries outside NIB's member countries.

Project and structured finance

NIB has long experience in complex financing structures. It may lead arrange the financing for projects that make a strong contribution to its mandate. NIB often provides financing in cooperation with other international financial institutions and public and private sector lenders. NIB's project and structured finance loan products include:

non- and limited-resource project financing;
structured loans for complex financings and leveraged borrowers;
A/B loans;
mezzanine financing through funds;
private public partnership (PPP) financing;
guarantees.

Sovereign loans

Sovereign loans are granted either against a sovereign guarantee or as a direct loan to a government.

Loans to municipalities

These loans are granted either against a municipal guarantee or as a direct loan to a municipal entity.

Environmental loans

Environmental loans are provided through special lending facilities:

Baltic Sea Environment Financing Facility (BASE), amounting to EUR 500 million;
Climate Change, Energy Efficiency and Renewable Energy Facility (CLEERE), amounting to EUR 1,000 million;
Environmental Lending Facility, amounting to EUR 300 million, and targeted on the member countries' neighbouring area in Eastern Europe.

Guarantees