The operative truth
Terms
| Administering body | Ente Nazionale per il Microcredito with accredited banks |
|---|---|
| Instrument type | Loans |
| Tier | National Instruments |
| Ceiling | €75,000 |
| Coverage | Up to 100% of the funded item |
| Cost of money | 4–8% typical, varies by bank |
| Term | Up to 84 months |
| Earliest reachable | Month 0 |
| Application to cash | 30–75 days |
Who qualifies
Enterprises under five years old, self-employed persons, and holders of a VAT number with fewer than five employees. No trading history is required and no property security is demanded.
What it funds
Working capital, equipment, stock, professional fees, training, and the mandatory support services attached to the loan.
What disqualifies an applicant
What it stacks with
These instruments combine with this one. Grants generally cannot double-fund the same cost, but different components of the same project may each carry their own support, and tax credits stack more freely with grants than grants do with each other.
SME Guarantee Fund
Small and medium enterprises including sole traders and agricultural undertakings. New enterprises qualify; the guarantee exists precisely to…
Non-Agricultural Rural Business Start-Up
New non-agricultural micro-enterprises in designated rural areas — craft, service, tourism, retail and care businesses.
Stay in the South
Residents of the eight southern regions plus the earthquake-affected central areas and the designated inner-area communes, aged eighteen…
Zero-Interest New Enterprise
Micro and small enterprises constituted within the previous sixty months, majority held by people aged eighteen to thirty-five,…
Ventures this funds
124 venture types in the atlas list this instrument in their capital stack.
Natural and Low-Intervention Wine
Small-volume wine made without added sulphites or industrial correction, sold to a specialist international trade.
20–34 months
Vermouth and Botanical Aperitivo
Aromatised fortified wine built from local wild and cultivated botanicals, a high-margin use for ordinary base wine.
8–14 months
Citrus Grove with Direct Shipping
Citrus grown and shipped direct to households and delicatessens rather than sold at commodity gate prices.
10–22 months
Pastured Poultry and Egg Production
Free-range eggs and table birds sold direct, the fastest route from land access to weekly cash flow.
4–8 months
Saffron Cultivation
Corm-grown saffron harvested and dried by hand, the highest revenue per hectare available to a smallholding.
8–14 months
Truffle Cultivation and Harvest
Managed truffle ground, inoculated plantation or harvesting rights, supplying fresh truffle and preserved products.
12 months harvesting; 60–96 months for a new plantation
Speciality Mushroom Growing
Indoor cultivation of oyster, shiitake and lion's mane on agricultural residues, harvested year-round.
4–9 months
Medicinal and Aromatic Herb Farm
Cultivation and drying of officinal herbs for the herbal, cosmetic and food industries.
8–16 months
Lavender and Essential Oil Distillation
Lavender fields distilled on site into essential oil and hydrosol, doubling as a visitor attraction in flower.
14–26 months
Beekeeping and Honey Production
Managed hives producing monofloral honey, wax and propolis, with pollination services as a second income.
6–14 months
Chestnut Grove and Flour Milling
Recovery of idle chestnut groves for fresh nuts, dried chestnuts and stone-ground flour.
10–20 months
Legume and Pulse Speciality Farming
Named local lentils, chickpeas and beans grown, cleaned and packed as identified regional products.
8–15 months
Preserves, Jams and Condiments
Small-batch preserving of fruit and vegetables into jams, mostarde and condiments, using second-grade produce.
4–9 months
Dried Fruit and Vegetable Processing
Solar and low-temperature drying of surplus produce into shelf-stable snack and ingredient lines.
5–11 months
Village Bakery with Wood Oven
Sourdough bakery serving a village and its surrounding hamlets, often the last food shop in the commune.
4–9 months
Fresh Pasta Workshop
Fresh and dried pasta made from identified regional grain, sold at retail, to restaurants and by post.
5–11 months
Regional Confectionery and Biscuits
Traditional dry pastries and biscuits with long shelf life, sold as gift and travel-retail lines.
4–9 months
Craft Brewery (Birrificio Agricolo)
Farmhouse brewery using own or local barley and hops, with a taproom attached.
8–15 months
Non-Alcoholic Botanical Drinks
Shrubs, kombucha, botanical sodas and alcohol-free aperitivi made from local fruit and herbs.
5–11 months
Small-Scale Coastal Fishing with Direct Sale
Day-boat fishing selling landed catch direct to households and restaurants rather than through auction.
3–8 months
Pescaturismo and Ittiturismo
Licensed fishing vessels carrying paying guests, and fishermen's families serving the catch ashore.
4–9 months
Wild Foraging and Wild-Food Supply
Licensed harvesting of wild greens, berries, capers and herbs supplied fresh and preserved to the restaurant trade.
3–8 months
Certified Organic Market Garden
Intensive certified-organic vegetable growing on a small area, sold through boxes, markets and restaurants.
4–10 months
Seed Saving and Native Variety Propagation
Production and sale of conservation-variety seed and seedlings for growers and gardeners.
8–16 months
Note on sources. This page is generated from the VentureItalica research registry. Figures and legal references reflect the corpus as verified at the last review and are indicative rather than advice. Instruments change; always confirm the current call text with the administering body before acting.
