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Access to finance

26 October 2009
by Ina Dimireva -- last modified 02 July 2012

Information about the sources of finance available to SMEs in Luxembourg.


Public finance

Indirect support

Financing using shareholders' equity is self-financing. In concrete terms, the higher the proportion of equity, the greater the chance the business owner has of obtaining credit and improving their solvency. It should be noted that the minimum capital required varies according to the legal form chosen.

Considering the tax implications of financing using shareholders' equity

Direct support

Luxembourg has established:

  • a temporary support system for economic recovery ;
  • a temporary guarantee system for economic recovery.

In contrast to large companies, SMEs have limited access to financial resources. To help business owners secure financing and to encourage them to invest, the Grand Duchy of Luxembourg offers numerous sources of public financial support.

Set-up or takeover projects for an SME may benefit from a start-up loan.

Start-up loan - Société Nationale de Crédit et d'Investissement

Private finance

Bank loans are available if you do not have enough of your own funds to finance your project.

Companies specialising in risk capital are constantly seeking innovative projects likely to provide them with attractive returns, relatively quickly. However, this kind of company only invests in a small number of projects.

Business angels have generally made their fortune in a particular sector and wish to offer their knowledge and experience. This contribution often translates into capital increases and participation in decision-making processes.

Business Angel Network

Guichet entreprises


Aid - employment, recruitment and training

Aid - crafts and trade

Business support organisations can advise businesses on how to find financing.

Business support — Luxembourg

Source: Your Europe

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