Financial Solutions Built for Real People
PERMICRO S.P.A. was founded on the conviction that access to credit should not be a privilege reserved for the few. We specialise in microcredit and small-business lending for microenterprises, self-employed professionals, and families who are often underserved by traditional banking institutions. Our loan products are designed to be transparent, affordable, and genuinely responsive to the financial realities of our clients. Whether you are launching a first venture, growing an established micro-business, or managing a family cash-flow challenge, PERMICRO S.P.A. structures a solution that fits. We combine responsible lending principles with a human-centred approach — every application is reviewed by a person, not just an algorithm.
Microenterprise Loans
We provide dedicated credit lines for microenterprises with up to 10 employees, covering working capital, equipment, and operational costs. Our terms are structured to match the seasonal and irregular income patterns typical of small businesses.
Startup Capital Loans
First-time entrepreneurs can access seed financing to cover initial costs such as registration, inventory, tooling, and early marketing. Our advisors work with applicants to build a realistic repayment schedule from day one.
Family Financing
We offer personal installment loans designed to help families manage significant but manageable expenses — from home repairs to education costs — without resorting to high-interest consumer credit. Repayment periods and monthly amounts are agreed transparently upfront.
Self-Employment Financing
Freelancers, sole traders, and independent contractors can access tailored credit products that recognise variable income as a viable basis for lending. We assess earning potential and sector context, not just payslips.
Personal Application Review
Every loan application at PERMICRO S.P.A. is assigned to a dedicated credit officer who reads the full file and speaks with the applicant directly. This human-centred process ensures that context matters as much as numbers.
Fast and Transparent Decisions
We aim to issue a credit decision within five working days of receiving a complete application. All costs, fees, and repayment obligations are disclosed in plain language before any contract is signed.
Ongoing Support
Our relationship with clients does not end at disbursement. PERMICRO S.P.A. provides post-loan monitoring and voluntary financial coaching to help borrowers stay on track and grow their capacity over time.
Responsible Lending
We never issue credit that our assessment suggests a client cannot sustainably repay. Our internal credit policy is aligned with the European Code of Good Conduct for Microcredit Provision.
Financial Inclusion
PERMICRO S.P.A. actively targets segments of the population with limited access to mainstream finance, including migrants, recent graduates, and individuals returning to self-employment after a career break.
Data Privacy and Security
All client data is processed in compliance with GDPR and stored on encrypted, EU-hosted servers. We do not sell or share client information with third-party marketing services under any circumstances.