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The European Investment Fund (EIF), established in 1994, is a "European Union agency for the provision of finance to "SMEs (small and medium-sized enterprises), headquartered in "Luxembourg.
It does not lend money to SMEs directly; rather it provides finance through private banks and funds. Its main operations are in the areas of "venture capital and guaranteeing loans. Its "shareholders are: the "European Investment Bank (62%); the "European Union, represented by the "European Commission (29%); and 30 privately owned EU financial institutions (9%).