About PERMICRO S.P.A.

PERMICRO S.P.A. was established to address a persistent gap in the Italian and European financial landscape: the absence of reliable, affordable credit for people and businesses that sit just outside the eligibility criteria of traditional banks. From our earliest days, we have operated on the principle that a credible business plan or a genuine family need is a sufficient foundation for a lending relationship. We are a licensed financial intermediary operating in full compliance with applicable Italian and EU regulatory frameworks, supervised by the relevant competent authorities. Over the years we have disbursed loans to hundreds of microenterprises, sole traders, and families, accumulating deep sectoral knowledge across retail, food services, craftsmanship, personal services, and digital freelancing. Our credit methodology draws on both quantitative data and qualitative assessments — we meet clients where they are, not where a scoring model expects them to be. We maintain strict internal controls and an independent audit function to ensure that our lending practices remain ethical and sustainable. Our team includes experienced credit officers, social finance specialists, and business development advisors who share a genuine commitment to financial inclusion. We reinvest a portion of our operating surplus into financial literacy initiatives and partnerships with local employment agencies. PERMICRO S.P.A. is a member of the European Microfinance Network and adheres to the sector's best-practice standards for client protection and transparency.