PerMicro
- Company typePrivate
- Founded2007
- HeadquartersTurin, Italy
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
PerMicro firmographics
Firmographics- Name
- PerMicro
- Legal name
- PerMicro S.p.A.
- Website
- https://permicro.it
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
PerMicro industry classification
Industry- Product category
- Microfinance
- NAICS
- Consumer Lending (522291), Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Microloans & Working Capital Loans (FSAKAGAA)
- akta.pro secondary industries
- Microenterprise Group Lending (Joint Liability) (FSAKAGAH), Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)
Keywords
Where PerMicro is headquartered
LocationHeadquarters
- HQ city
- Turin
- HQ country
- Italy
- HQ region
- Europe
Markets served
PerMicro business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest and fees on microcredit loans: Primary revenue stream generated from credit and microcredit disbursed to households and micro-enterprises. PerMicro is registered in the Albo degli intermediari finanziari ex art.106 TUB (entry n.139), authorizing it to operate as a financial intermediary. Revenue is recurring in nature from the loan portfolio of 45,000+ projects financed since 2007.
- Funding-backed lending (EU/EIB/CEB programs): On-lending activity funded through programs such as the European Progress Microfinance Facility, EaSI Capacity Building investment, Council of Europe Development Bank financing, and the SME Guarantee Fund (Fondo di garanzia per le PMI). This enables expansion of the loan book at favorable economics.
- Mentoring and financial education services: PerMicro Cares, Mentoring, Educazione finanziaria and PerMicro Welcome Home are complementary services that may carry ancillary fees and strengthen the core lending relationship.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based pricing for PerMicro Impresa and PerMicro Famiglia credit lines |
Go-to-market motion1 record
PerMicro product offering
Product offeringCore offering
PerMicro is an Italian non-banking financial intermediary that grants small, merit-based microcredit loans — without traditional real guarantees — to individuals and micro-enterprises excluded from mainstream banking, applying its proprietary "PerMicro Method" that combines credit assessment with personalized accompaniment. Its portfolio is organized into two lines: PerMicro Famiglia (for households) and PerMicro Impresa (for self-employed workers and small entrepreneurs).
Product overview
PerMicro offers a portfolio of dedicated microcredit and financial-inclusion products rather than a single unified software product. The offering is structured around two core credit lines — PerMicro Impresa (for entrepreneurs and micro-enterprises) and PerMicro Famiglia (for households) — complemented by specialised service lines: PerMicro Cares and PerMicro Welcome Home (targeted variants on the family side), Pagamenti smart (a smart-payment service), Mentoring (non-financial accompaniment, notably delivered through the Partita AttIVA programme with Fondazione Welfare Ambrosiano), and Educazione finanziaria (financial-education projects). These products and services are delivered through a national branch network (22 branches) to people excluded from traditional banking channels, with the Impresa line also offering variants — such as "Impresa EASI" (EU EaSI guarantee) and "MCC" (Italian SME Guarantee Fund, legge 662/96) — backed by institutional partners including the European Investment Fund, the Council of Europe Development Bank, and the Italian Ministero dello Sviluppo Economico.
Differentiator
Problem solved
Functional benefit
Brands
- PerMicro Impresa: Business microcredit product line providing financing and accompaniment for entrepreneurs and micro-enterprises, without requiring real guarantees.
- PerMicro Famiglia
- PerMicro Cares
- PerMicro Welcome Home
Products and services
- PerMicro Famiglia Microcredit line dedicated to Italian households and families excluded from traditional banking, providing small loans for personal and family needs without requiring traditional real guarantees, supported by PerMicro's accompaniment methodology.
- PerMicro Impresa Microcredit line for self-employed workers, artisans, small traders, and micro-entrepreneurs that need small amounts of capital to start or develop a business activity, combining the loan with business accompaniment through the PerMicro Method.
Companies that use PerMicro
Customer profileIdeal customer profiles2 records
PerMicro technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
PerMicro partnerships and signals
Strategic signalRecent moves6 records
Expansion highlights5 records
PerMicro competitors and assessment
Company assessmentDirect peers
- Banca Etica: Italian ethical and sustainable bank providing credit to households, NGOs and micro-enterprises often excluded from traditional banking. Highly comparable to PerMicro's mission-driven, financial-inclusion credit model and is in fact a PerMicro shareholder, reflecting overlapping philosophy and product overlap in social/ethical lending.
- Etimos Foundation: Italian social finance entity active in microfinance, ethical banking partnerships, and financial inclusion across Southern Europe and developing countries. Direct peer in the Italian/European microfinance ecosystem with comparable mission and target client segments.
- ADIE (Association pour le Droit à l'Initiative Économique): France's leading microcredit institution providing collateral-free loans to micro-entrepreneurs excluded from traditional banking. Closest EU cross-border peer in business model, regulatory posture (non-bank intermediary), and target borrower profile.
- Finde S.p.A. Italian non-bank financial intermediary supporting SMEs and micro-enterprises through subsidized credit and guarantee operations. Direct peer in the Italian intermediari finanziari ex art.106 TUB ecosystem, and a PerMicro shareholder, indicating close operational overlap.
Broad incumbents
- Banca Prossima (Intesa Sanpaolo division): Former standalone Italian bank dedicated to nonprofits, social enterprises and micro-entrepreneurs, now a division of Intesa Sanpaolo. Overlaps with PerMicro's mission-lending niche but at much larger scale and as part of a universal-banking group.
- MicroBank (CaixaBank): Spain's largest microcredit institution, a subsidiary of CaixaBank, offering collateral-free micro-loans to entrepreneurs and families. Comparable product set but operates as part of a major universal bank rather than as an independent mission-driven intermediary.
- Credito Fondiario: Italian specialized credit and servicing platform operating in the non-performing loan and consumer credit space. Adjacent Italian non-bank financial intermediary with overlapping regulatory classification (art.106 TUB) and Italian SME customer overlap, though focused on distressed/secured rather than microcredit.
Regional players
- Magyar Máltai Szeretetszolgálat / Maltese Microcredit: Hungarian charitable microcredit programme affiliated with the Order of Malta providing small loans to disadvantaged micro-entrepreneurs. Comparable mission and methodology (no-collateral lending to the financially excluded) but operating in a different European geography.
Others
- European Investment Fund (EIF): EU specialized provider of risk finance for SMEs and microenterprises, including guarantee instruments (EaSI, COSME) that PerMicro directly accesses via 'Impresa EASI'. Not a competitor but a key counterparty and ecosystem enabler for PerMicro's growth model.
- MicroFinanza Rating S.r.l. Italian/US microfinance rating and advisory firm that performed PerMicro's 2020 and 2023 European Code of Good Conduct due diligence. Not a peer but a key ecosystem participant providing the certification infrastructure that gives PerMicro access to EU microfinance capital.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
PerMicro social profiles
Digital presencePerMicro compliance and trust
Trust signalCompliance3 records
PerMicro financial estimates
Financial estimateRevenue estimate
Valuation estimate
PerMicro leadership team
Management profileNumber of profiles
Profiles1 record
PerMicro funding detail
Funding detailFunding overview
Funding rounds2 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PerMicro M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PerMicro
What does PerMicro do?
PerMicro is an Italian non-banking financial intermediary that grants small, merit-based microcredit loans — without traditional real guarantees — to individuals and micro-enterprises excluded from mainstream banking, applying its proprietary "PerMicro Method" that combines credit assessment with personalized accompaniment. Its portfolio is organized into two lines: PerMicro Famiglia (for households) and PerMicro Impresa (for self-employed workers and small entrepreneurs).
Is PerMicro a public or private company?
PerMicro is a private company. It is classified as venture growth investor backed and is currently operating.
When was PerMicro founded?
PerMicro was founded in 2007. It employs 11 to 50 people.
Where is PerMicro based?
PerMicro is headquartered in Turin, Italy, in the Europe region.
How does PerMicro make money?
Three revenue lines are on record. Interest and fees on microcredit loans are the primary driver. The others are funding-backed lending (EU/EIB/CEB programs) and mentoring and financial education services.
Who are PerMicro's main competitors?
Direct peers on record are Banca Etica, Etimos Foundation, ADIE (Association pour le Droit à l'Initiative Économique) and Finde S.p.A.. Broad incumbents are Banca Prossima (Intesa Sanpaolo division), MicroBank (CaixaBank) and Credito Fondiario. Magyar Máltai Szeretetszolgálat / Maltese Microcredit is listed as a regional player. Others are European Investment Fund (EIF) and MicroFinanza Rating S.r.l..
Does PerMicro have an API?
No public API is recorded for PerMicro.
What industry is PerMicro in?
PerMicro's product category is Microfinance. Its primary akta.pro industry code is FSAKAGAA, Microloans & Working Capital Loans, with a secondary code of FSAKAGAH, Microenterprise Group Lending (Joint Liability). Its NAICS code is 522291 and its SIC code is 6141.