Financement
Funding to start a business in Luxembourg
Luxembourg combines grants, tax incentives and public loans. Amounts are significant, but almost every scheme has one rule: apply before you commit the spending. Company structure and timing should be decided together with funding.
- First-time founder aid: EUR 2,000 a month for 6 months
- Fit 4 Start: up to EUR 150,000, no equity taken
- Young innovative enterprises: up to EUR 1,000,000 over 3 years
Published on 10 October 2026 · Updated on 10 October 2026
In short
The main schemes for a new Luxembourg business are the first-time founder aid (up to EUR 12,000 for a micro-enterprise in trade or crafts), Fit 4 Start (up to EUR 150,000 for a digital, health or space start-up), young innovative enterprise aid, R&D and innovation aid under the law of 6 June 2025, the IP box and the SME Packages.
Programmes at a glance
Amounts and conditions from official sources, checked on 10 October 2026.
Grant
First-time business start-up aid
EUR 2,000 a month for 6 months, EUR 12,000 maximum
Micro-enterprise in trade or crafts, permit under 6 months old, founder’s first business
Grant
Fit 4 Start
Up to EUR 150,000 in 3 tranches, no equity taken, plus 6 months of coaching
Digital, health or space project; company under 5 years or not yet formed; team of at least 2
Grant
Young innovative enterprise aid
Up to 70% of the funding need over 3 years, capped at EUR 1,000,000
Small company under 5 years, EUR 40,000 turnover, R&D at least 15% of costs, Luxinnovation certificate
Grant
Research, development and innovation aid
Industrial research 60% (small firm), experimental development 40%, feasibility studies up to 70%
Any company with an R&D or innovation project, applying before work starts
Tax incentive
IP Box
80% exemption on net income from qualifying patents and software, plus net wealth tax exemption
Company that develops its own patents or copyrighted software (nexus approach)
Grant
SME Packages
70% of a EUR 3,000 to 25,000 project (digital, AI, sustainability, cybersecurity)
SME with a business permit and registered office in Luxembourg
Grant
Fit 4 Digital
EUR 5,000 digital diagnostic, 100% funded
SME with a business permit
Grant
SME aid: investment and consultancy
Investment 20% (small) or 10% (medium); first investment of a new company 30%; one-off consultancy 50%
SME investing to create, extend or modernise premises, applying before committing
Loan or guarantee
SNCI loans and guarantees
proStart, proDevelop, proInnovate loans; guarantee of up to 50% of the bank loan
Company financing a start-up, takeover or investment with its bank
Tax incentive
Investment tax credit
12% of qualifying investment, 18% for digital or green transition
Taxable company investing in depreciable assets
Which funding could you get?
Six questions, no email. Indicative result.
Next step
Structure your company so you keep your funding
Frequently asked questions
Can schemes be combined?
Often yes, for example Fit 4 Start followed by young innovative enterprise aid, or investment aid alongside the investment tax credit. Cumulation rules and the de minimis cap of EUR 300,000 over three years are checked scheme by scheme.
Do I need a company before applying?
Not always. Fit 4 Start accepts a project without a company. First-time founder aid, on the other hand, requires a business permit issued less than 6 months earlier.