Luxembourg
Luxembourg's economy is dominated by its financial services sector, including fund administration, private banking and holding company structures, which shapes a lending market unlike most other European cities of comparable size. Beyond financial services, a smaller domestic SME base still relies on conventional bank lending and leasing.
| Structure | Where it works |
|---|---|
| Fund finance | Bridging and subscription facilities structured for funds and holding vehicles domiciled in Luxembourg. |
| Term loan | Available through domestic and international banks for established operating companies. |
| Leasing | Used for vehicles and office equipment across the professional services sector. |
| Commercial mortgage | Available for office property, priced on strong local demand from financial services tenants. |
Businesses outside financial services should expect a smaller lender pool than in comparable sized cities elsewhere in Europe.
Fund finance structures require specialist legal input given Luxembourg's fund and holding company regulatory framework.
Office property remains in steady demand, which supports valuations but also keeps borrowing costs at a premium for smaller purchasers.
It is possible but the market is smaller than the country's financial services reputation suggests, so expect fewer lenders and more emphasis on relationship banking.
It refers to lending structures built for funds and holding vehicles, such as subscription lines and bridging facilities. It is specific to that sector and not typically relevant to standard operating businesses.
Sustained demand from financial services firms needing premises in the capital keeps occupancy strong, which gives lenders confidence in the underlying property market.
Tell us what the business in Luxembourg needs and we will structure the request and approach the providers whose criteria match. No upfront fees, charges apply only once funding completes.
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