About PERMICRO S.P.A.
PERMICRO S.P.A. was established with a clear conviction: that access to credit is not a privilege reserved for the financially comfortable, but a right that every responsible person and viable business deserves. Founded in Italy and operating under the principles of ethical finance, we have built our institution from the ground up with a focus on communities that conventional banks have historically overlooked. Our founders came from backgrounds in development economics, social enterprise, and community banking, bringing together expertise that is both technically rigorous and deeply human. Over the years, we have disbursed millions of euros in microcredit and SME loans across Italian regions, helping thousands of entrepreneurs open their first shop, upgrade their equipment, hire their first employee, or weather an unexpected financial crisis. We are a non-bank financial institution authorised and supervised under applicable Italian regulatory frameworks, and we take our compliance obligations as seriously as our social mission. Our credit methodology is built on a holistic assessment of the borrower — their character, their project, their community — not just a numerical score. We partner with local chambers of commerce, social cooperatives, municipal authorities, and entrepreneurship support organisations to ensure our clients receive well-rounded assistance beyond the loan itself. At PERMICRO S.P.A., our team of over 80 professionals across regional offices brings the same values to every interaction: respect, transparency, and a genuine belief in the potential of every client. We are proud of the relationships we have built and the lives we have helped change, and we remain committed to expanding financial inclusion across every corner of Italy.