Microcredito d’Impresa

What Microcredito d’Impresa does

Microcredito d'Impresa S.p.A. (MDI) is an Italian regulated microcredit operator incorporated in 2018, with its legal seat in Milan and operational headquarters in Viterbo. The company is registered as operator number 12 on Banca d'Italia's official list of microcredit operators (OMC) under Article 111 of the Consolidated Banking Law (TUB), is a member of the Italian National Guarantee Fund (Microcredit Section), and holds European Code of Good Conduct certification from the European Commission. It is also recognized as an Innovative SME (PMI Innovativa), with reference shareholder Innovative-RFK S.p.A., a holding company listed on Euronext Paris.

MDI's core product is chirografario (unsecured) microcredit financing up to €50,000, offered through fixed-rate products (myCREDIMP CASH, myCREDIMP FISSO and Power), variable-rate products (myCREDIMP VARIABILE and Power), a dedicated environmental microcredit line (Microcredito Ambientale, up to €18,000 for energy-efficiency investments with terms up to 84 months), and a Lombardy-region subsidized facility under the FESR 2021-2027 program. Every disbursement is paired with mandatory tutoring, business-plan assistance and three years of post-disbursement monitoring delivered through a territory-based Tutor network; underwriting is grounded in the borrower's project validity and personal capabilities rather than traditional collateral.

The company operates a consultative, sales-led go-to-market: borrowers initiate contact via website, phone or email and are assigned a Tutor who guides them through feasibility assessment and application. MDI also distributes through institutional channels, notably a framework convention with Regione Lombardia under which it originates and pre-selects subsidized financing requests. To date MDI has received 1,820 operations requests, disbursed 1,502 loans totaling approximately €38 million, and participates in a Lombardy initiative exceeding €60 million in total available financing. Revenue is generated primarily from regulated interest on disbursed microcredit loans, with rates constrained by Italian microcredit legislation and capped TAEG of 5% on subsidized Lombardy partnership loans.

Name

Microcredito d’Impresa

Legal name

Microcredito di Impresa S.p.A.

Website

https://microcreditodiimpresa.it

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Microcredito d'Impresa is an Italian regulated microcredit operator (Banca d'Italia OMC #12) providing unsecured loans up to €50,000 to start-ups, small businesses and young professionals, paired with mandatory tutoring and three-year post-disbursement monitoring.

Ownership category

akta.pro rank

Product category

Microcredit and Microfinance

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

Keywords

• Microcredit lending
• Small business loans
• Financial inclusion services
• Microenterprise financing
• Entrepreneur loan services

Headquarters

HQ city

Viterbo

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Microcredit Lending: Microcredito d'Impresa generates revenue through interest earned on microcredit loans disbursed to eligible businesses, freelancers, and entrepreneurs. The company offers various loan products including myCREDIMP CASH (fixed-rate term loans), myCREDIMP FISSO (fixed-rate), and myCREDIMP VARIABILE (variable-rate), as well as Power variants of these products. Interest rates are regulated under Italian microcredit legislation and include the National Guarantee Fund coverage for qualifying loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Microcredito d'Impresa (MDI) is an Italian microcredit operator that provides microloans up to €50,000 to start-ups, small businesses, freelancers, and entrepreneurs who face barriers to accessing traditional bank credit. The company offers fixed-rate and variable-rate loan products (myCREDIMP series), specialized environmental microcredit up to €18,000 for energy efficiency investments, and subsidized loans through the Regione Lombardia FESR 2021-2027 program. All products are accompanied by mandatory tutoring, business plan assistance, and monitoring services for the first three years post-disbursement.

Product overview

Microcredito d'Impresa offers a portfolio of microcredit financing products regulated under Article 111 of the Testo Unico Bancario. The core offerings include fixed and variable rate financing products (myCREDIMP CASH, myCREDIMP FISSO, myCREDIMP VARIABILE) and their Power variants, designed for small businesses and micro-entrepreneurs who face difficulties accessing traditional credit. Additionally, the company provides specialized environmental microcredit for energy efficiency investments (up to 18,000 euros) and participates in regional programs like the Lombardy Region initiative (Bando Regione Lombardia) offering subsidized financing through FESR 2021-2027 funds. All products are accompanied by mandatory auxiliary services including tutoring, business plan assistance, and monitoring support during the first three years after disbursement.

Differentiator

Problem solved

Functional benefit

Products and services

• Standard Microcredit Loans (myCREDIMP) Fixed-rate and variable-rate chirografario financing products (myCREDIMP CASH, myCREDIMP FISSO, myCREDIMP VARIABILE) including Power variants, offering up to €50,000 to small businesses and micro-entrepreneurs under Italian microcredit legislation (Art. 111 TUB), with terms up to 7 years and mandatory tutoring support.
• Microcredito Ambientale (Environmental Microcredit) Specialized microcredit financing of up to €18,000 dedicated exclusively to supporting business investments in energy savings equipment, including solar panels, monitoring systems, HVAC improvements, and lighting upgrades, with terms up to 84 months and processing in less than 20 days.
• Bando Regione Lombardia (Lombardy Region Subsidized Microcredit) Subsidized microcredit financing under the FESR 2021-2027 program to support investments of small businesses in the Lombardy region, with TAEG not exceeding 5% by combining regional zero-rate resources and operator contributions.

Quantifiable outcome

• Loans disbursed to over 1,500 operations totaling €38 million
• +3 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered flagship, core and minor.

• Regione LombardiaflagshipStrategic or Co-development Partner · 29 April 2025Framework convention between Regione Lombardia and microcredit operators for activation of financial instruments under the FESR 2021-2027 program and regional resources. Regione Lombardia has allocated €25 million for subsidized microcredit financing, with total initiative value exceeding €60 million including microcredit operator contributions. MDI has enthusiastically joined this initiative and will provide businesses with necessary assistance.
• Fondo Nazionale di Garanzia (National Guarantee Fund)coreStrategic or Co-development PartnerMDI is a member of the National Guarantee Fund, Microcredit Section. The Fund provides public guarantees for microcredit loans, with MDI requesting guarantees before loan disbursement. In case of non-repayment, the Guarantee Fund surrogates the microcredit operator's rights, becoming the creditor for the guaranteed amount, with debt recovery handled by Agenzia delle Entrate - Riscossione.
• InvitaliaminorOthers

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds3 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Microcredito d’Impresa