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Rabo Impactlening

Financial instruments

29 July 2025

Rabo Impactlening

1. Healthy, balanced and sustainable diets for all European consumers

2. Prevention and reduction of food loss and waste

3. A climate - neutral food chain in Europe by 2050

+4 more

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The European Investment Bank (EIB) has partnered with Rabobank and its subsidiary DLL to provide €1 billion in financing to small and medium-sized enterprises (SMEs) and mid-caps across Europe. This initiative aims to bolster the sustainability and agriculture sectors, with a strong focus on climate-relevant and bioeconomy investments.

Publishing org

Editorial team

Related Organisation(s)

Rabobank

Topics
Geographical descriptors

EU-27

Organisation Type

Financial Institutions and Investors

SMEs (a company with less than 250 employees)

  • CoC aspirational objectives

    • 1. Healthy, balanced and sustainable diets for all European consumers

    • 2. Prevention and reduction of food loss and waste

    • 3. A climate - neutral food chain in Europe by 2050

    • 4. An optimised circular and resource-efficient food chain in Europe

    • 5. Sustained, inclusive and sustainable economic growth, employment and decent work for all

    • 6. Sustainable value creation in the European food supply chain through partnership

    • 7. Sustainable sourcing in food supply chains

Share

The €1 billion fund will be allocated as follows:

  • Rabobank and DLL each receive €250 million in loan facilities from the European Investment Bank (EIB), which they match with their own funds to reach €500 million each.
  • Rabobank will focus on projects in the Netherlands, with at least 40% of its financing dedicated to climate-relevant investments and the bioeconomy, including agriculture.
  • DLL targets sustainability investments—especially circularity, food, and energy transitions—in multiple EU countries: France, Germany, Italy, Spain, Belgium, Sweden, Poland, Ireland, and the Netherlands.

The Funding responsibility is shared between the European Investment Bank (EIB), Rabobank, and its subsidiary, DLL (De Lage Landen)The Rabo Impactlening instrument, which is part of this initiative, has been active since 2015, with this being its ninth iteration, and the time span is a multi-year roll-out 

 

The financial conditions are summarised as follows:

Loan Terms

  • Interest Rate Reductions: Up to 0.65% discount for eligible companies under the Rabo Impactlening instrument.
  • Loan Principal Cap: Maximum of €7.5 million per loan.
  • Total Investment Limit: Projects must not exceed €25 million in total investment.
  • Eligibility: Companies must employ fewer than 3,000 people and hold a recognized sustainability or social label.

Credit Risk Sharing

  • Rabobank also benefits from a credit risk sharing agreement with the European Investment Fund (EIF), freeing up capital to support additional lending.

 

Financial entities

 European Investment Bank (EIB)

  • The EIB is the EU’s long-term lending institution, owned by its Member States.
  • It provided two €250 million loan facilities—one to Rabobank and one to DLL.
  • Its role is to catalyze sustainable investment and support EU policy goals, especially in the climate and agriculture sectors.

European Investment Fund (EIF)

  • A subsidiary of the EIB, focused on supporting SMEs through guarantees and risk-sharing.
  • It entered a credit risk sharing agreement with Rabobank, enabling an additional €445 million in lending capacity.

Rabobank

  • A Dutch cooperative bank specializing in food and agriculture finance.
  • It matched the EIB’s €250 million loan with its own funds, totaling €500 million for Dutch SMEs and mid-caps.
  • Also responsible for implementing the Rabo Impactlening instrument.

 DLL (De Lage Landen)

  • A global asset finance company and wholly owned subsidiary of Rabobank.
  • Received €250 million from the EIB and matched it with its own funds to support SMEs in multiple EU countries.
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