Financing Plans for Every Stage
FINAMCA SPA offers three clearly defined financing tiers to serve businesses and individuals at different stages of their financial journey. Each plan is designed with transparent pricing, defined eligibility criteria, and a specific set of features so you can choose the facility that genuinely matches your needs. Our advisors are available to walk you through the differences and help you select or combine products appropriately. All plans are subject to credit assessment and regulatory approval before funds are disbursed.
Essential
From 6.9% APR
Designed for individual borrowers and micro-businesses seeking straightforward installment loans or small working capital lines up to $25,000.
- Loan amounts from $1,000 to $25,000
- Fixed monthly installment repayments
- Credit decision within 48 hours
- No early repayment penalty
- Dedicated onboarding support
Business
From 5.4% APR
Built for established small and medium businesses needing working capital loans, receivables advances, or revolving cash flow facilities from $25,000 to $250,000.
- Loan amounts from $25,000 to $250,000
- Revolving or term facility options
- Trade receivables advance up to 85% of invoice value
- Named relationship manager assigned
- Flexible drawdown and repayment scheduling
- Annual facility review with limit increase eligibility
Professional
Bespoke Pricing
A fully customized credit facility for professionals, project-based businesses, and companies requiring structured multi-tranche financing above $250,000.
- Loan amounts from $250,000 — no upper cap
- Multi-tranche and phased disbursement structures
- Bespoke covenant and reporting package
- Priority underwriting and legal review
- Senior relationship director access
- Quarterly portfolio performance reviews