Discover our financing solutions for your professional project!

We offer microcredits of up to 25,000€ for a business project and up to 10,000€ for a personal loan that helps you find a job.

Need financing for your business?

  • Would you like to set up your own business and become your own boss?
  • Are you planning to renovate your restaurant’s kitchen?
  • Would you like to finance a rental guarantee for your business?
  • Are you planning to buy a vehicle for your business?

Microlux offers microloans of up to €25,000* and coaching to help you set up and grow your business in Luxembourg.

These are small loans for start-ups and existing entrepreneurs who do not have access to traditional bank loans.

*subject to acceptance

What are the main criteria in order to obtain a microcredit?

  1. The coherence of your project
  2. Your repayment capacity
  3. Your personal and professional background
  4. Your professionalism

Loan conditions

  • The annual interest rate is 8,25%.
  • 3% administration fee (minimum €150 and maximum €500)
  • You can defer payment for up to 3 months
  • You have 12 to 60 months to repay the loans
  • A guarantor is required for 1/3 of the loan amount
  • Loans can be repaid early at no cost

Honorary loan

The “prêt d’honneur” (honor loan) is designed to strengthen the financial capacity of project holders starting a new business. This loan will always be granted as a complement to a regular microcredit.


  • For start-ups (less than 12 months old)
  • For jobseekers and Revis beneficiaries
  • The annual interest rate is 0%.
  • There is a 3% handling fee (minimum €150).
  • No guarantor or warranty required
  • A grace period of up to 24 months
  • You have up to 60 months (including the grace period) to repay the loans
  • Loans can be repaid early at no cost

Microcredit for your job

Microlux offers microloans of up to €10,000* to help people with no access to bank loans, to find or keep their job.

For example, we can finance

  • A vehicle to get to work or a driver’s license
  • A training for a new professional opportunity
  • A job-related move

*subject to acceptance

  • The annual interest rate is 8,25%.
  • Application fees are 3% (with a minimum of €150).
  • Beneficiaries have 36 months to repay the loan
  • A guarantor is required for 1/3 of the loan amount
  • Loans can be repaid early at no cost

Simulate your own credit!

How much can you repay per month? for how long? Feel free to modulate the amount and duration of this tool to calculate your monthly payment and the cost of your microcredit!

€ 500

€ 25.000


3 months

60 months

Borrowing money also costs money. Microlux pays particular attention to situations of over-indebtedness, and trains its employees to prevent any risk in this area.

How does it work?

See the steps to take to obtain a microloan from microlux

We have supported over 200 companies

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Want to apply for a microcredit?

Leave us your contact details!

We will get back to you as soon as possible.

The information collected is subject to processing intended to allow microlux to manage the request it receives. They are intended for members and administrative services of microlux and will not be disclosed. In accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council relating to the protection of personal data (RGPD), you can exercise your right to access and rectify information concerning you by contacting microlux.