Microcredit for Entrepreneurs

Looking for a financial solution to set up or develop your business?

You have a renovation project for the kitchen of your restaurant?
You want to finance a rent guarantee for your grocery store?
You plan to buy a second-hand vehicle for your activity?

Microlux provides you with microcredits* up to EUR 25 000 and coaching to support you through the process of setting up and developing your micro-enterprise in Luxembourg. These small credits are available for business creators and active entrepreneurs without access to "traditional" bank credits.

* under the condition of approval by our credit comittee

From 2022, you have the possibility to obtain, in addition to a usual microcredit, a honorary loan with more advantageous conditions => clic here for more information.

Loan conditions

  • The annuel interest rate is 6,25%.
  • The solidarity fees are set at 3% (with a minumum of 150€ and a maximum of 500€).
  • A deferred payment of up to 3 mois.
  • The repayment period for a loan varies between 12 and 48 months.
  • We ask for a third person to be guarantor for 1/3 of the loan amount.
  • Loans can be paid back early without any fees or penalties.

The procedure

Please visit the section "How does it works?"

Exemples of microcredits

Borrowed amountDurationMonthly paymentsAPRTotal amount to be reimbursed
5 000 euros36 months152.68 euros
8.31%5643.36 euros
Renovation works
15 000 euros42 months398.55 euros
8.03%17 589.27 euros
Vehicle & Cash flow
25 000 euros60 months590.00 euros
7.82%29 069.78 euros

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

  1. Your project’s consistency
  2. Your repayment capacity
  3. Your professional and personal path
  4. Your professionalism

Contact us to book an appointment for further information!

Warning : borrowing money also costs money. Microlux pays particular attention to situations of over-indebtedness and trains its employees to prevent any risk in this respect.


With the support of