Société Nationale de Crédit et d'Investissement (SNCI) is a public-law banking institution in Luxembourg City.

[3] Equipment loans are for investments relating to the creation, extension, reorientation, or takeover of Luxembourg SMEs in the skilled-craft, commercial, hotel, or industrial sectors.

[4] Start-up loans, designed to encourage new entrepreneurs to create or acquire SMEs, can cover the financing of business plans, land, and buildings to be used for professional activities, working capital, equipment, intangibles (licenses, software), and start-up activities (advertising, studies).

[5] Medium-term and long-term loans can be granted to industrial enterprises and service providers, with equity of at least €25,000, for financing tangible and intangible assets and for land to be used for professional purposes.

Interest is at the "SNCI prime rate" at the time the loan contract is signed and is free of commissions and additional charges.

[7] Equity loans are designed to assist Luxembourg limited liability companies in promoting the creation, extension, conversion, reorientation, and rationalization of industrial, craft, and commercial enterprises.

Amounts are fixed on a case-by-case basis by the SNCI's Board of Directors and require approval by the competent ministers.

[9] In 2009, the SNCI Board granted loans amounting to EUR 83.6 million, an increase of 63% over the previous year despite the difficult economic climate.