Societe Nationale de Credit et d'Investissement

Société Nationale de Crédit et d'Investissement (SNCI) is a Luxembourg public-sector banking institution. It is specialised in providing access to finance to Luxembourg commercial companies at every stage of their lifecycle.

SNCI focusses on small and medium-sized enterprises. SNCI also has instruments to co-finance companies that need to develop, adapt to new circumstances or that are in the process of being transferred.

SNCI's mainly grants indirect loans through the local banks and direct medium- and long-term loans to SME’s and start-ups.

The goal is to provide access to financing with a view to sharing the risks and in a co-financing approach with the commercial banks, in order to ensure an appropriate balance between the different sources of your financing.

With regard to its overall activity and since its start on January 1st, 1978, SNCI has carried out financial interventions for a total amount of 4.160,5 million Euros, which represents an average of 90,5 million Euros per year. In 2024 SNCI took new credit and investment decisions for a total amount of 76,1 million Euros

Besides granting loans (directly and indirectly through commercial banks), SNCI also takes stakes in companies and funds of strategic importance to the development and diversification of the Luxembourg economy.

SNCI's strategic objectives include financing projects in the fields of information and communication technologies, industry and logistics, crafts, horesca and commerce, fintech, cleantech, healthcare technologies and space technologies.

SNCI coordinates its interventions with the Ministry of Economy and the Ministry of Finance as well as with other relevant stakeholders depending on the nature of the projects co-financed.