Financing Plans for Every Stage of Growth

PERMICRO S.P.A. offers three core financing plans, each calibrated to the specific needs of different client profiles — from individuals seeking personal credit to established small businesses ready to scale. All plans feature fixed interest rates, flexible repayment schedules, and dedicated client support throughout the loan term. We encourage prospective clients to speak with one of our advisors to determine which plan best fits their current situation and future goals.

Micro Start

From €1,000

Ideal for individuals, early-stage entrepreneurs, and micro-businesses taking their first steps toward formal financing. This plan is designed for those with limited credit history who need a manageable entry point into the credit system.

  • Loan amounts from €1,000 to €10,000
  • Repayment terms of 12 to 36 months
  • Fixed monthly instalments with no hidden fees
  • Access to a dedicated loan advisor
  • Financial literacy session included at onboarding

Business Builder

From €10,000

Designed for established micro-enterprises and small businesses seeking working capital, equipment, or expansion funding. This plan suits owners with at least one year of verifiable business activity.

  • Loan amounts from €10,000 to €75,000
  • Repayment terms of 24 to 60 months
  • Option to defer first instalment by 60 days
  • Quarterly business health check-ins with advisor
  • Referrals to PERMICRO partner business networks

SME Growth

From €75,000

A comprehensive financing solution for small and medium-sized enterprises with proven track records looking to invest in infrastructure, staffing, or market expansion. Structured for businesses ready to move to the next level.

  • Loan amounts from €75,000 to €500,000
  • Repayment terms of 36 to 84 months
  • Tailored repayment schedule aligned with business cash flow
  • Senior relationship manager assigned for full loan term
  • Priority processing and annual financial review included