Long-term complementary financing
NIB is a flexible partner responding to customers' needs and providing tailor-made loans and guarantees. Most of NIB's commitments concern loans.
NIB's lending includes the following aspects:
Risk Management Policies (403 KB)
Sustainability policy and guidelines (443 KB)
General guidelines for procurement (157 KB)
Compliance & anti-corruption
All projects are subject to a rating of their compliance with NIB's mission
NIB has operations in its Nordic and Baltic member countries
and in selected focus countries
. Outside the membership area, projects financed by NIB should be of mutual interest to the country of the borrower and the member countries.
Private and public borrowers
Scope of projects
NIB loans are granted for a special purpose, i.e. a project.
NIB loans are usually used for the financing of larger projects. Normally, the total project value amounts to more than EUR 50 million. NIB channels financing to projects of small and medium-sized enterprises through intermediaries
A project to be financed might, for example, concern investments in infrastructure, such as energy and transport, improvement of the environment, research and development, improvement of manufacturing processes or the internationalisation of businesses. See recent loans
The proceeds of NIB loans can be used to cover any part of projects costs.
Projects improving competitiveness and the environment
NIB loans are provided to projects that improve competitiveness and the environment.Read more
Competitive market terms
Experience in project and structured finance
Interest rates and fees
The interest rate is set on a fixed or floating basis, as preferred by the borrower. Fees comprise, i.a., commitment and arrangement fees.
Potential grace periods
Thorough analysis and monitoring
Before granting a loan, NIB makes a thorough assessment of the project's technical feasibility and economic viability. The analysis
also includes environmental aspects. Loans are followed up on and project implementation is monitored.
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