FINAMCA SPA

Choose the Financing Plan That Fits Your Business

FINAMCA SPA offers three clearly structured financing tiers to serve businesses and individuals at different stages and with different capital requirements. Each plan includes a defined range of products, service levels, and repayment flexibility. Pricing is transparent, with no hidden onboarding fees or early repayment penalties on standard terms. Contact our team to discuss which plan aligns best with your current financial objectives.

Foundation
From $5,000

Designed for self-employed professionals, sole traders, and very small businesses that need straightforward access to working capital or a personal credit line without complex structuring requirements.

  • Personal and sole-trader loans up to $50,000
  • Fixed-rate repayment schedules of 12–36 months
  • Standard commercial receivables advance (single debtor)
  • Dedicated onboarding advisor for first 90 days
  • Online account dashboard with payment tracking
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Business
From $25,000

Suited to established small and medium-sized enterprises seeking more substantial credit facilities, bill of exchange financing, or multi-product arrangements to support growth and operational continuity.

  • SME loans and revolving credit up to $500,000
  • Bill of exchange discounting with 48-hour settlement
  • Multi-debtor receivables advance programme
  • Tailored repayment plan with seasonal adjustment option
  • Priority relationship manager and quarterly financial review
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Expansion
From $100,000

Built for businesses undergoing significant scale-up, acquisition activity, or entering new markets, requiring larger loan amounts, bespoke structures, and enhanced advisory services throughout the financing lifecycle.

  • Startup and expansion loans up to $5,000,000
  • Fully bespoke repayment architecture with deferred start options
  • Combined working capital, receivables, and bill financing package
  • Dedicated senior relationship manager with monthly reviews
  • Access to FINAMCA SPA financial structuring advisory team
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