Finance a project · Luxembourg
A project’s financing is decided before the first meeting
A lender forms a view on the figures, and quickly. We prepare those figures, then present them to those who can finance your project.
Twenty minutes, no commitment. A reply within one business day, signed by a partner.
Project financing in Luxembourg
From financing plan to signature
A profitable project can fail for lack of cash. Outflows precede inflows, and the cash budget, where it exists, has often been drawn up after the investment decision. The lender starts precisely with this document. So do we.
Acquisition of production equipment, takeover of a company, business premises, working capital for faster-than-expected growth: each need calls for its own instrument, term and guarantee. The work on the file consists of matching the three, line by line.
A convincing file speaks for you, even in your absence.
For the project owner
What the file brings you
A file that stands on its own
Financing plan, three-year forecast, cash budget: every assumption can be justified in one sentence before the lender.
- Ratios checked before any meeting
- Structure adjusted until each one holds
The right term for each need
Each asset has its financing: a building over the long term, stock over the cycle. Each line is matched to the useful life of what it finances.
- A public guarantee obtained means one personal guarantee fewer
Two to four selected funders
Your file remains confidential: it is presented only to parties selected for your project, with your written consent for each.
- We sit beside you at the meeting and answer questions on the forecast
A written opinion on the offers
Rate, term, guarantees, total cost, clauses: the offers received are compared item by item. The decision is yours.
After signature, cash flow in view
The forecast becomes your cash-flow table and shows, month after month, whether the financing is producing the expected effect. When Aurels Fiduciaire keeps your accounts, the contract and the repayment schedule are integrated from drawdown.
The Luxembourg landscape
The instruments we know how to combine
A solid funding round rarely relies on a single instrument: usually a contribution from the owner, a bank loan and, where the project lends itself to it, public support that reduces the share of risk borne by the bank, and with it the personal guarantee it requires.
Medium and long-term bank loan
Investment, business property, takeover
Term matched to the life of the asset
Leasing
Machinery, vehicles, equipment
Preserves cash; total cost to compare
SNCI equipment loan
Business assets and land
Up to €2.5 million, within a limit of 60%
SNCI start-up and takeover loan
Initial expenditure of a newly created or acquired SME
Contribution of 15% of the eligible base
SNCI competitiveness/sustainability loan
Competitiveness, digital and ecological transitions
Zero interest, up to €200,000
Mutualité de Cautionnement guarantee
Investment loans, credit lines and leases
50% of the financing
Blocked shareholder current account
Strengthening quasi-equity
Blocking agreement
Loan from a professional funder
Completing a funding round
Bilateral presentation
Conditions checked in September 2026 with guichet.lu, the SNCI and the Mutualité de Cautionnement. They change: we verify them for each file.
200 000 €
Maximum amount of the SNCI competitiveness/sustainability loan, at zero interest, for a project co-financed by a partner bank for at least 20%.
Source: SNCI, October 2025.
50 %
Share of investment loans, credit lines and leases that the Mutualité de Cautionnement can guarantee; 80% for pre-financing of State aid.
Source: Mutualité de Cautionnement, cautionnement.lu.
Method
How a file proceeds
01
Meeting
The project, its timetable, what you can bring to it yourself.
02
Engagement letter
Scope and fee signed before any work begins.
03
Plan and forecast
Three financial years, a monthly budget, reviewed by a second partner before any transmission.
04
Presentation
To two to four funders selected with you; meetings in your presence.
05
Offers and drawdown
Written comparison, your choice, then follow-up until the funds are disbursed.
For those who provide financing
Few files, already examined
Banks, public financing and guarantee bodies, professional investors, companies with liquidity to commit to the real economy: a file that reaches you through the firm has been costed, reviewed by a second partner, and its owner has agreed to it being presented to you, by name.
The analysis, the decision, the terms and the contract are yours. Payment is made by you to the company. The firm receives nothing from you.
The framework for these presentations
- The files concern loan financing granted to companies.
- A project requiring a subscription for securities is referred to an institution licensed for that service; the firm prepares the owner’s file, and stops there.
- Your criteria are gathered during a meeting and are used to present you with one file at a time, never to feed a mailing list.
- Before any first presentation, each funder undergoes the identification due diligence required by the law of 12 November 2004.
Frequently asked questions
Before writing to us
The diagnostic and the file are each subject to a fixed fee announced before commitment, depending on the size of the project and the state of your accounts. You know it before signing.
An adviser paid on success has an interest in your borrowing. Ours has an interest in your borrowing the right amount: sometimes less, or later; sometimes the right answer is also not to borrow.
A reasoned refusal is information. We use it to correct the structure, then decide with you on a new presentation or a postponement.
No document leaves the firm without your written consent, funder by funder. Your information is covered by professional secrecy.
The file is prepared from your accounts, whether or not we keep them. When Aurels Fiduciaire keeps them, preparation saves time and post-signature monitoring is integrated into the closing.
Our method
What protects you
- A fee set by engagement letter before any work, independent of the result.
- Our only remuneration comes from you.
- Each presentation is addressed to a named recipient, with your written consent.
- The decision to borrow and the choice of offer are yours.
Scope: Aurels prepares and presents business financing files. It does not grant credit, does not receive or hold funds on behalf of third parties, does not set up any investment vehicle and does not place any financial instrument. Loans to private individuals are outside the scope of the offer.
First step
A project is judged first on its financing plan. Show us yours.
Twenty minutes, no commitment. A reply within one business day, signed by a partner.