Our mission is to improve productivity and benefit the environment in our member countries. We believe this makes us the right partner to support the sustainable growth of your business in the Nordic–Baltic region or further abroad.

We provide sustainable, long-term financing for our customers in both the private and public sectors on competitive market terms. We offer sector expertise, project assessment and a quality stamp for your project. Our loan products include corporate and sovereign loans, loans to municipalities, loan programmes, investments in green bonds, project & structure finance and lending outside the member countries. Scroll down for further details.

Green certificate

Environmental projects scoring “excellent” or “good” in NIB’s mandate rating and financed with the proceeds of NIB Environmental Bonds are entitled to receive Green Project certificates.

AAA/Aaa – competitive funding

Our money, raised with triple-A bonds in the highest quality markets, is patient and reliable.

Sustainable long-term financing

We support you throughout the duration of your project, and we aim at cooperating with you for one, two or more business cycles.

Sector expertise

We are pleased to share our expertise and know-how in the sectors we work in, and to tailor our financing offer to serve the needs of your particular project.

Project assessment

Before the Bank approves a project for financing, it is assessed from several perspectives. You can find out how it works here.

A quality stamp for your project

Once the assessment is complete and the loan is approved, NIB’s financing may help you to promote your project and business and help some other banks to make their decisions in favour of your business. Consider NIB’s financing a stamp of quality for your project.

Loan products


Corporate loans

Corporate loans in NIB’s member countries constitute the main part of NIB’s lending activities in terms of volume.

Sovereign loans

Sovereign loans are granted either against a sovereign guarantee or as a direct loan to a government.

Loans to municipalities

These loans are granted either against a municipal guarantee or as a direct loan to a municipal entity.

Loan programmes

Loan programmes are used in both member and non-member countries for onlending through financial intermediaries.

Sustainability-linked loans

Sustainability-linked loans centre on our customers’ forward-looking commitments related to agreed key performance indicators and create financial incentives to meet their sustainability targets.

Investments in labelled bonds

NIB can purchase listed green bonds, social bonds, sustainability bonds and sustainability-linked bonds issued by companies and municipalities in its member countries. This financing complements NIB’s ordinary lending and supports the sustainable bond market.

Project and structured finance

NIB has long experience of arranging complex financing structures in cooperation with other financial institutions as well as public and private sector lenders. NIB’s project and structured finance loan products include:

Non-member country lending

NIB also finances investments outside its membership region. A member country interest in the project is a prerequisite.

How can I apply for a loan from NIB?

Give us a call or send us an email. Not sure who to talk to? Find out what we finance and visit the pages of our business areas for contacts, eligibility criteria, and showcases of NIB-financed projects that may be similar to yours.

Choose a business area:
Connectivity & Consumer
Industry & Real Estate
Project & Structured Finance

Public Sector & Utilities
Financial Institutions

Sustainability-linked loans