SME Credit Guarantees | NNRV Trade Partners

✔ Boost your SME’s borrowing power with bank-backed guarantees | €100K-€10M coverage | 35+ specialized lenders across Europe | 72-hour pre-approvals | No collateral required | Improve loan terms by 30-50%

⚠️ Is your growing business struggling to access financing?

A mid-sized manufacturer recently secured €2.5M in expansion capital using our SME credit guarantee – obtaining 3.5% interest rates without pledging assets.

  • 🧠 « The credit guarantee was our breakthrough. We went from loan rejections to securing growth capital at corporate rates in just 11 days. »

    — Founder, Industrial Automation SME

SME Credit Guarantee Solutions

1. Loan Enhancement Guarantees

  • Coverage: 50-80% of loan principal

  • Tenor: 1-7 years

  • Best for: Equipment financing, expansion

2. Working Capital Guarantees

  • Coverage: 70% of revolving facilities

  • Tenor: 1-3 years

  • Best for: Inventory, receivables

3. Tender Bond Guarantees

  • Coverage: 5% of contract value

  • Tenor: Project duration

  • Best for: Government contracts

4. Trade Finance Guarantees

  • Coverage: 100% of LCs/import deals

  • Tenor: 30-360 days

  • Best for: Importers/exporters

5. Energy Efficiency Guarantees

  • Coverage: 90% of green investments

  • Tenor: 5-10 years

  • Best for: Sustainable upgrades

Our SME Lender Network

InstitutionCountriesMin. AmountSpecializationKey Benefit
European Investment FundEU-wide€250KInnovationLowest rates
KfW MittelstandsbankGermany€100KManufacturing80% coverage
BpifranceFrance€150KTech startupsDeferred payments
Instituto de Crédito OficialSpain€200KExportersFX protection
Mediocredito CentraleItaly€175KFamily businessesGenerational transfer
British Business BankUK£100KAll sectorsFast-track digital
Nordic GuaranteeScandinavia€300KGreen transition10-year tenors

(💡 Regional development banks available for <€100K needs)

5-Step Guarantee Process

  1. Financial Health Check (1 day)

    • Free SME assessment

    • Optimal product matching

  2. Lender Matching (2 days)

    • Select from 35+ partners

    • Soft credit inquiry

  3. Documentation (2 days)

    • Simplified application

    • 2 years financials required

  4. Issuance (3-5 days)

    • Bank approval

    • Guarantee activation

  5. Funding (1-2 days)

    • Loan disbursement

    • Ongoing support

⏱️ Total Timeline: 7-10 business days

Case Study: €4.5M Bakery Expansion

Challenge:
Family-owned chain needed to:

  • Finance new automated facility

  • Preserve personal guarantees

Solution:

  • 65% guarantee via EIF

  • Local bank co-financing

Result:

  • €4.5M at 3.2% (vs 5.8% market)

  • Zero personal collateral

Why SMEs Choose NNRV?

✔ SME Specialists: Focused exclusively on €100K-€10M
✔ Multi-Lender Access: 35+ guarantee schemes
✔ No Upfront Fees: Pay only upon successful funding
✔ Growth Partners: 5-year financial roadmap

[📥 Download SME Finance Guide]
[📞 Speak to Our SME Team]