Adopted text
Access to finance for SMEs and scale-ups
TA-10-2025-0300 · P10_TA(2025)0300 · PE772.123
- Adopted in plenary on · Adopted 360–298–8 · See the decision →
- Full procedure 2025/2072
✦ In short · AI summary of this text, generated 5 Sept 2026
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Parliament's resolution on access to finance for SMEs and scale-ups calls for reducing bureaucratic burdens, unlocking private capital, bridging the scale-up funding gap, and reinforcing a competitive EU ecosystem.¶¶ It urges the Commission to simplify regulations, exempt SMEs from excessive obligations, improve access to venture capital and retail investment, and support scale-ups with tailored measures.¶¶¶
Key points
- Calls for reducing regulatory and administrative burdens on SMEs, including simplifying reporting, permitting, and the sustainable finance framework, and applying proportionality thresholds.¶¶¶
- Urges the Commission to assess and review existing obligations, including those from the European Green Deal, and to ensure sustainability reporting is simple and voluntary.
- Stresses the need for a more ambitious simplification strategy beyond the 'one-in, one-out' approach, with measurable targets and tracking.¶
- Calls for unlocking private capital by improving investor access, promoting simplified retail products, and supporting pension funds and insurance companies in channelling savings.¶
- Regrets the limited impact of the EuVECA Regulation and calls for removing the EUR 100 000 minimum investment threshold and encouraging favourable tax frameworks for venture capital.¶
- Emphasises improving financial literacy and including entrepreneurship in the financial literacy strategy.¶
- Calls for public funding to catalyse private investment, not act as subsidies, and for a debate on equity tax incentives.¶
- Highlights the role of the EIB Group and the Regional Development Fund in mobilising private capital, especially in underdeveloped regions.¶
- Calls for a more flexible securitisation framework and enhanced significant risk transfer to allow banks to fund SMEs.¶
- Supports an EU investment savings account with simplified tax procedures and no restrictions on geography or sector.¶
- Urges measures to bridge the scale-up funding gap, including mobilising institutional investors, developing pension systems, and strengthening co-investment platforms.¶¶¶
- Calls for a competitive ecosystem with strong national markets, voluntary frameworks, and simplified guidance tools for SMEs.¶¶¶
Who is affected
- SMEs and scale-ups in the EU, including start-ups and micro-enterprises, would benefit from reduced regulatory burdens and improved access to finance.¶¶
- Banks, including small regional banks, savings banks, and cooperative banks, are affected by calls to reduce reporting requirements and apply proportionality.¶
- Institutional investors such as insurance companies and pension funds are encouraged to invest more in venture capital and equity.¶¶
- Retail investors and savers would gain from simplified investment products and the removal of minimum investment thresholds.¶¶
- The European Commission and Member States are tasked with implementing simplification, improving access to finance, and developing support tools.¶¶