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Our programs
- Starting a new business
  
  Starting a new business can be an exciting adventure, but it also requires careful planning and preparation. There are essential steps to take and key elements to consider when setting up a business and seeking financial support such as from the SNCI. Think about innovation, flexibility, a sound business plan, and efficient, straightforward financial management to get your start-up/SME off to the best possible start.
- Financing the modernization and expansion of your business
  
  To convince a potential financial organisation, such as the SNCI, to finance the modernisation and expansion of your business, you need to present a convincing case that demonstrates the possibility of a strong return on investment. Consider updating your business plan to reflect your new objectives and expansion plans, and clearly define your ambitions for modernisation and expansion, possibly even abroad.
- Transform your company into a more modern, creative entity
  
  When you want to transform your company into a more modern, creative, and solutions-oriented entity, several key factors come into play. You will need to clearly define your new corporate vision and the strategic objectives you wish to achieve. Identify the areas in which you want to modernise, focusing on the specific benefits that modernisation will bring to your business.
- Taking over or transferring a business
  
  If you are taking over a business and need to find new financing to support the acquisition and ensure the company's future development, there are several important points to which you should pay particular attention. Firstly, you need to carry out a thorough evaluation of the business you are considering taking over, determine the precise amounts of finance required, check contracts, agreements, current disputes, and other obligations that could affect the future financial health of the business. This will increase your chances of finding the finance you need to successfully complete the takeover and the future development of the business you have just acquired.
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About us

The Société Nationale de Crédit et d'Investissement is a Luxembourg public-sector banking institution. It specialises in supporting and developing companies at every stage of their development, providing assistance for start-ups, expansion, innovation, international projects and business transfers:

Starting up
Development
Transfer
Innovation

Would you like to set up, develop, innovate, or take over a business in Luxembourg?

The SNCI grants loans to managers of newly created small and medium-sized enterprises, companies that need to develop, adapt to new circumstances or that are in the process of being transferred.
The SNCI acquires and manages holdings in companies and funds of strategic importance for the development and diversification of the Luxembourg economy.

Our goals

SNCI's strategic goals include financing your projects, particularly in the sectors of

digitalization
energy transition
transmission
industry
Fintech

Response policy

The SNCI does not provide all the financing for your business project, but with a view to sharing the risks and in a co-financing approach with the commercial banks, the SNCI aims to ensure an appropriate balance between the different sources of your financing.Overall, SNCI loans and credits cover an average of 25% of the cost of industrial projects, and up to 75% of investments in the case of first-time establishments for young artisans, shopkeepers, hoteliers, or restaurateurs who want to start their own business in Luxembourg.

Législation

You will find attached the documents containing the law creating a Société Nationale de Crédit et d'Investissement and the grand-ducal regulations setting out the general conditions for equipment loans and medium and long-term loans.