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Microcredit 2024

What you need to know

Microcredit is a financial instrument that aims to respond to the financial inclusion needs of those who have difficulty accessing traditional credit because they do not have sufficient guarantees. It is not simply a small loan, but an integrated offering of financial and non-financial services. What distinguishes microcredit from ordinary credit is the attention to the person, who is
translates with welcoming, listening and supporting beneficiaries from the pre-disbursement to the post-disbursement phase, as well as the particular care given to the sustainability of the project.

The microcredit instrument, in the form of "entrepreneurial microcredit", is aimed at all those who intend to start or strengthen a micro-enterprise or self-employment activity and/or who have difficulty accessing bank credit.

Eligible subjects

  • Self-employed worker or micro-enterprise, organized as an individual, association, partnership, limited liability company, simplified liability company or cooperative company;
  • Financing to the following entities is excluded:
    • self-employed workers or individual businesses with a number of employees exceeding 5;
    • partnerships, limited and simplified liability companies, or cooperative companies with a number of non-member employees exceeding 10 units.


VAT number holders with more than five years of activity are excluded.

What it finances

Purchase of goods (including raw materials necessary for the production of goods or services and goods intended for sale) or services related to the business;

  • Payment of salaries of new employees or worker members;
  • Supporting costs for company training courses;
  • Restoration of working capital;
  • Liquidity operations;
  • No debt restructuring.



  • Unsecured mortgage.
  • Maximum duration 120 months including a possible grace period.
  • Maximum amount €75,000 up to 100,000 for LLCs.
  • Public guarantee from the Guarantee Fund for SMEs (80% of the amount financed), and for operations exceeding 50,000 euros, 60% guarantee for each loan granted.
  • The Bank may request further personal guarantees (not real) only in relation to the part not covered by the public guarantee. As an exception, for limited liability companies, loans of up to 100,000 can be granted, also backed by real guarantees.



Until available funds run out.

Service Design

Who is it aimed at?

Micro enterprises, Cooperative, Cooperative/Onlus company, Natural person/Aspiring entrepreneur, Professional


Unsecured mortgage


Until funds run out


Geographic area

Abruzzo, Basilicata, Calabria, Campania, Emilia-Romagna, Friuli-Venezia Giulia, Lazio, Liguria, Lombardy, Marche, Molise, Piedmont, Puglia, Sardinia, Sicily, Tuscany, Trentino-Alto Adige, Umbria, Valle d'Aosta, Veneto


Services, Other services

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