“Per Merito” loan with Intesa Sanpaolo

The Merit Loan is a line of credit dedicated to those who wish to undertake training with favorable repayment terms and simplified access to capital.
 It is called "Per Merito" because it is based on a moral commitment – to complete one's training project – and does not require real or personal guarantees: it is not necessary to have a demonstrable income or a guarantor.

Thanks to the agreement between H-FARM Business School and Intesa Sanpaolo, students can use the credit to cover all expenses related to their studies: tuition fees, teaching materials, books, accommodation, and daily living expenses.

Who can apply: All students admitted to H-FARM Business School programs:

  • MBA
  • Executive Master's degree
  • Professional Master
  • Courses
  • Retreat

When to apply: afteradmission to the training program through the selection process. To secure your place in the classroom and activate your Prestito Per Merito loan application, you must:

  • fill out and sign the registration form
  • pay the registration fee registration confirmation fee (which varies depending on the program chosen).

How to apply – operational steps

  1. Send the payment receipt to your H-FARM Business School representative to obtain your registration number and certificate of enrollment.
  2. Register on website – Prestito Per Merito.
  3. Fill out the application by selecting H-FARM Business School from the list of educational institutions (Category: Other – Higher Education Schools) and attaching your diploma, degree certificate, or substitute declaration.
  4. Choose your branch Intesa Sanpaolo and book an appointment to sign the contract.

Amounts available: the credit line is opened without guarantees on a dedicated current account and can cover up to:

  • €15,000 for MBA and Executive MBA students MBA and Executive Master's programs
  • €10,000 for students of Professional Master's programs, courses, and retreats

It is not possible to request amounts lower than those indicated, but only the amount actually used will be refunded (with interest).

Loan activation: once your application has been approved, you can go to your chosen branch to activate it. The credit line remains available for a period in line with the duration of the chosen program.

Refund: you can choose how to return the amount:

  • immediately, at the end of the course, or
  • after a 24-month transition period.

At the end, you can decide whether to:

  • reimburse in a single payment, or
  • Repay in installments with a personal loan (up to 30 years maximum duration) with special terms.

Support: for further information, please refer to the Intesa Sanpaolo FAQs – Prestito Per Merito or write to our Admissions team: admissions@bs.h-farm.com.