On Wednesday 9 July 2025, Luxembourg's National Credit and Investment Institution (Société Nationale de Crédit et d’Investissement - SNCI) announced a reduction in the interest rate of its flagship lending instrument, the equipment loan (crédit d'équipement), from 1.875% to 1.375% per year.

The new rate applies as of 1 July 2025 for all new credit decisions. It is fixed for the entire term of the loan.

This rate reduction aims to make financing conditions more attractive for investment and development projects carried out by Luxembourg small and medium-sized enterprises (SMEs).

The equipment loan is an indirect financing tool intended for Luxembourg SMEs active in the craft, trade, hospitality or industrial sectors and which plan to carry out an investment project (involving depreciable tangible and intangible assets such as machinery or expansion work). Applications for the loan can be submitted through the client's bank.

For further information on co-financing possibilities, companies are invited to contact their bank or reach out to SNCI directly via www.snci.lu.

The SNCI is a public banking institution specialising in granting financing to commercial enterprises based in Luxembourg, with a particular focus on SMEs. It co-finances companies at all stages of development. The SNCI intervenes directly or indirectly through loans intended to partially cover the financing of business creation, expansion, transfer or innovation projects. It also acquires and manages shares in companies and investment funds that are deemed strategically important for the development and diversification of the national economy.