Plans
Loan Products Tailored to Your Stage
PERMICRO S.P.A. offers three clearly defined lending tiers to match the scale and purpose of your financing need. Each product carries fixed, disclosed interest rates and no hidden fees. You choose the term and repayment frequency that suits your cash flow, and we confirm eligibility quickly.
MicroStart
Up to €5,000
Designed for individuals launching a first self-employment activity or managing a short-term family financial need with limited credit history.
- Loan amount: €500 – €5,000
- Repayment term: 12 to 36 months
- Fixed annual interest rate disclosed at application
- No collateral required for amounts under €3,000
- Dedicated credit officer assigned from day one
MicroGrow
Up to €25,000
Built for established microenterprises and SMEs seeking capital to expand operations, hire staff, or invest in equipment and inventory.
- Loan amount: €5,001 – €25,000
- Repayment term: 24 to 60 months
- Flexible monthly or quarterly repayment schedule
- Optional three-month grace period at start
- Post-disbursement financial coaching included
MicroScale
Up to €75,000
Targeted at growth-stage SMEs and entrepreneurial projects requiring substantial capital with structured repayment and co-financing possibilities.
- Loan amount: €25,001 – €75,000
- Repayment term: 36 to 84 months
- Co-financing options with EU-backed guarantee schemes
- Dedicated relationship manager throughout loan life
- Annual financial review and optional loan restructuring