PerMicro

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

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

• Microcredit services
• Financial inclusion
• Household credit
• Micro enterprise lending
• Non-bank lending

Headquarters

HQ city

Turin

HQ country

Italy

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion1 record

Core 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.

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Recent moves6 records

Expansion highlights5 records

Direct 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

• Xx.com/permicro_
• Facebookfacebook.com/13
• LinkedInlinkedin.com/company/permicro

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors4 records

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 PerMicro