Discover how Europe can help your
business.
Accessing finance
COSME aims to make it easier for small and
medium-sized enterprises (SMEs) to access
finance in
all phases of their lifecycle – creation, expansion, or business transfer.
Thanks to EU support, businesses have easier access to guarantees, loans and
equity capital. EU ‘financial
instruments’ are
channelled through local financial institutions in EU countries. To find a
financial institution in your country, visit the Access
to Financeportal.
Opening markets
COSME helps businesses to access
markets in
the EU and beyond. It funds the Enterprise Europe Network that helps SMEs find business and technology partners,
and understand EU legislation; the Your
Europe Business portal that
provides practical information on doing business within Europe; and theSME
Internationalisation Portal for
companies who want to develop their activities outside Europe. It also finances
a number of IPR
(intellectual property rights) SME Helpdesks.
Supporting entrepreneurs
COSME supports
entrepreneurs by
strengthening entrepreneurship
education, mentoring, guidance
and other support services. Actions support specific groups who may find it
difficult to reach their full potential, such as young people, women and senior entrepreneurs. The programme also aims to help
businesses access opportunities offered by digital
technologies.
Improving business
conditions
COSME aims to reduce the administrative and regulatory
burden on SMEs by creating a business-friendlyenvironment. COSME also supports businesses to be competitive by encouraging them to adopt new business models and
innovative practices. This complements actions in areas with high growth
potential such as the tourism
sector.
Background
COSME is the EU programme for the Competitiveness of
Enterprises and Small and Medium-sized Enterprises running from 2014 - 2020
with a planned budget of EUR 2.3 billion.
SMEs are the backbone of Europe’s economy, providing
85% of all new jobs. The European Commission aims to promote entrepreneurship
and improve the business environment for SMEs to allow them to realise their
full potential in today’s global economy.
Expressions of interest
The Executive Agency for
Small and Medium-sized Enterprises (EASME) manages COSME on behalf of the European
Commission. Expressions of interest related to COSME can be found on the EASME website. Applications to open calls are made through the Participant
Portal.
Financial intermediaries can find more information on
the calls for expression of interest on the COSME
financial instruments page.
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