European Investment Fund

Froda is a Swedish fintech company established in 2015 with offices in Stockholm and Finland. It specializes in providing digital loans for commercial purposes, serving sectors such as restaurants, cafes, shops, lounges, and agencies. The company aims to revolutionize the banking experience for businesses by offering convenient and affordable financing solutions. Froda has helped over 50,000 businesses grow through its data-driven and digital lending platform, which enables small businesses to borrow money online without requiring asset backing. Its mission is to provide the best possible financing terms tailored to the needs of entrepreneurs and small business owners, bridging the gap between traditional banking and alternative finance options.

Fabrico is a cloud-based CMMS that manages all maintenance activities in a manufacturing facility by combining lean end-to-end maintenance methodologies. Everything required to digitalize all maintenance procedures in your plant is included in the solution. Fabrico offers preventive and reactive maintenance solutions, as well as an efficient ticketing system that allows for entire communication and compliance processes in a single plant.

Established in 1996, Patria Credit is Romania's leading non-bank microfinance institution, with over 14 years of experience providing business loans to microenterprises, small companies, individual entrepreneurs, agro producers, and individuals.

Libra Internet Bank is a banking institution that specializes in providing financial services primarily to small and medium enterprises. The bank offers a range of products, including financial advisory services, consultancy, and wealth management. In addition to these services, Libra Internet Bank provides various loan options, such as soft loans, long-term, medium-term, and short-term loans, as well as micro-financing solutions to support the needs of its clients. Through its comprehensive offerings, the bank aims to facilitate the financial growth and stability of businesses within its target market.

Instant Factoring is a fintech platform that provides digital invoice factoring and working capital financing to small and medium-sized enterprises, enabling fast liquidity by converting invoices into cash, often within 24 hours. The platform relies on robot underwriting and machine-learning based credit risk models, and it uses a blockchain ledger to record invoices for transparency and to deter fraud and double financing. It aggregates data from multiple sources to rate invoices and present upfront pricing, while pursuing ongoing improvements to its scoring algorithms. Positioned as an embedded modern financial institution, the solution offers flexible financing to help clients accelerate growth without lengthy traditional credit processes.

AQUISGRAN is an SGR initiative to provide Aachen loans and investments to current and future SME partners by issuing MARF-listed bonds.

DBT is a LendTech company that specializes in providing business loans to small and micro-enterprises. The company utilizes a credit technology platform that analyzes data from businesses seeking financing, thereby enhancing risk assessment accuracy and expediting decision-making processes. By combining technological innovation with qualitative collaboration, DBT simplifies access to growth funding for SMEs across various industries. The company offers loans ranging from SEK 3 million to SEK 30 million, aiming to support the growth and development of these businesses.

Illimity Bank, founded in 2018 and headquartered in Milan, Italy, is a commercial bank that delivers digital direct banking services to both retail and business clients. The bank specializes in providing corporate credit, managing non-performing loan (NPL) portfolios, and offering financing solutions specifically tailored for small and medium-sized enterprises (SMEs). Additionally, Illimity Bank engages in investment banking activities, including the establishment and management of investment funds and facilitating initial public offerings. With a focus on addressing the challenges posed by distressed credit and the increasing prevalence of bad loans, Illimity Bank aims to support its clients through innovative financial solutions.

Noviti Finance is a provider of alternative financing services focused on offering transparent business loans for turnover and investment projects. The company emphasizes clarity in its financial products by openly disclosing contract fees and interest rates, avoiding hidden costs that can inflate the total loan amount. Noviti Finance streamlines the borrowing process by reducing formalities, allowing clients to receive financing within one day; funds are deposited into their accounts on the same day upon signing the contract. With a commitment to supporting businesses, Noviti Finance has successfully assisted over 1,600 companies, ensuring that their financial needs are met with flexible terms and a straightforward approach.

October is a pan-European lending platform that aims to empower businesses by simplifying access to funding. Founded in France in 2014 under the name Lendix, the company emerged following regulatory changes that disrupted traditional banking practices. With offices in France, Spain, Italy, and the Netherlands, October operates an online marketplace that connects private investors with enterprises of various sizes. This platform allows investors to finance businesses directly, offering fully disclosed terms and facilitating a streamlined investment process. Institutional lenders complement individual contributions, ensuring borrowers benefit from high success rates and quick processing times. October's mission is to democratize finance, providing a secure and efficient way for individuals to invest in the real economy.

Finiata is a fintech that provides a data-driven finance platform for small and medium-sized enterprises, freelancers, and the self-employed. It offers credit solutions and working capital through embedded lending, including invoice factoring that unlocks liquidity by financing outstanding invoices. The platform combines manual assessment, traditional scoring models, and alternative data to tailor lending decisions and support cash-flow management. By integrating financing into the operations of non-financial businesses, Finiata aims to facilitate sustainable growth for its customers through automated, accessible online lending.

MedLease specializes in financing solutions for healthcare SMEs, young healthcare professionals and patients. Doctors, partnering clinics and MedLease all share the same end customer – the patient. The company strives to achieve synergy via helping young professionals improve their qualification, financing smaller clinics purchase modern machines for treatment/diagnostics and provide the patients with reliable and transparent socially responsible healthcare financing solutions. MedLease believes that this synergy based business model provides trickle down effects that benefits and improves the quality of life of the end customer.

TISSIUM is a Paris-based medical device company focused on biodegradable programmable polymer technology for tissue reconstruction and surgical wound closure, particularly in minimally invasive procedures. Its non-toxic sealants and adhesives are designed to bind strongly to tissues and provide immediate closure in the body's wet, dynamic environments, enabling rapid wound management across multiple clinical areas. The company builds on intellectual property and research associated with leading researchers Robert Langer and Jeff Karp. These core capabilities support applications in tissue repair and potential localized drug delivery.

MedLease specializes in financing solutions for healthcare SMEs, young healthcare professionals and patients. Doctors, partnering clinics and MedLease all share the same end customer – the patient. The company strives to achieve synergy via helping young professionals improve their qualification, financing smaller clinics purchase modern machines for treatment/diagnostics and provide the patients with reliable and transparent socially responsible healthcare financing solutions. MedLease believes that this synergy based business model provides trickle down effects that benefits and improves the quality of life of the end customer.