1. What are the loan channels for small and medium-sized enterprises?

Bank financing, private financing, and loans from relatives and friends. Generally these are the types. You can be matched with a financing plan that works best for you. How old is the company? Registered capital? Shareholder composition? what for? Is there any VAT invoice amount? Assets in the name of the legal person shareholder: House? Car? Credit information and debt situation of enterprises and legal person shareholders

2. How do small and medium-sized enterprises apply for loans? What are the formal channels?

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3. What are the ways to get loans for small and medium-sized enterprises?

1. Entrepreneurship loans

Entrepreneurship loan refers to a special loan issued to individuals who have certain production and operation capabilities or are already engaged in production and operation activities. They apply for capital needs due to starting a business or re-starting a business, and the bank recognizes the effective guarantee. Qualified borrowers can receive a single loan support of up to 500,000 yuan based on their personal resources and repayment ability; those who have started a business of a certain scale or become re-employed stars can also apply for a higher amount of loans. The term of a business loan is generally 1 year, with a maximum of no more than 3 years; in order to support laid-off workers to start their own businesses, the interest rate of business loans can be reduced by 20% according to the interest rate of the same grade specified by the People's Bank of China. Business loans for laid-off workers launched in many areas can also be Enjoy 50% government discount.

2. Mortgage loans

For many personal loans currently handled by banks, as long as the mortgage procedures meet the requirements and the borrower does not break the law, the bank does not ask about the purpose of the loan. For those who need to start a business, personal consumption loans can be used flexibly to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the mortgage property, and the maximum loan limit is 300,000 yuan. If you need to purchase a commercial house along the street to start a business, you can use the house to be purchased as collateral and apply for a commercial housing loan from the bank. The loan amount generally does not exceed 60% of the appraised value of the commercial house to be purchased, and the loan term is no longer than 10 years. Borrowers who need to purchase cars, trucks, buses, mini-cars, or operate taxis for starting a business can also apply for automobile consumer loans. This loan generally does not exceed 80% of the car purchase price, and the loan term does not exceed 5 years.

3. Certificates of deposit, treasury bills, and insurance policies

In recent years, in order to market loans and improve efficiency, banks have continued to relax their requirements for loan pledges while considering loan risks. In addition to certificates of deposit, In addition to pledging, you can also easily get a personal loan with treasury bills, insurance company policies and other documents. A certificate of deposit can be loaned 80% of the amount of the certificate of deposit; a treasury bond can be loaned 90% of the face amount of the treasury bond; the amount of a policy issued by an insurance company shall not exceed 80% of the current cash value of the policy. The longest period of deposit certificates and treasury bonds cannot exceed the maturity date of the pledge, and the longest period of individual insurance policies handled by banks cannot exceed the payment period of the pledged policy. In addition, short-term and medium-term applications can also be carried out using bank-recognized collateral such as self-owned vehicles, taxi operating certificates, individual owner stall certificates, etc.

IV. Accounts receivable

Accounts receivable refers to the credit that production-oriented enterprises apply to banks for using the accounts receivable generated from their sales as pledge. Accounts receivable for pledge must meet certain conditions, such as the products under accounts receivable having been shipped and accepted by the buyer; the buyer (payer of accounts receivable) has funds Strong strength and no bad credit record; the payer confirms the specific amount of accounts receivable and promises to only pay to the seller's designated account opened at the lending bank; the due date of the accounts receivable is earlier than the repayment stipulated in the loan contract Payment day and so on. The pledge rate of accounts receivable is generally 60 to 80%. The materials required by the applicant company generally include the original sales contract, delivery note, receipt note, confirmation and commitment letter from the payer, etc. Other required information is the same as for a general working capital loan.

5. Online loan platform

In the market occupied by online loan platforms, personal information is submitted through the online loan platform, and the agreement is reached directly online with the consent of the lender or the guarantee company applying for guarantee. Borrowing process! You have the opportunity to get a loan of less than 100,000 yuan. The loan procedure is more convenient and the interest rate is more favorable.

At present, the Huifubao platform in Tianjin has developed credit loans of 1,000-20,000 yuan and guaranteed loans of more than 20,000 yuan according to market demand. The entire platform's transactions are p2p mode, that is, person-to-person, and the platform only provides services.

4. How can Alipay merchants get loans?

It is recommended to apply for a loan through formal channels: such as Agricultural Bank of China. The definition of Wangjie Loan refers to Agricultural Bank of China issuing cash to individual customers of Agricultural Bank of China who meet specific conditions. Customers apply for it by themselves, receive it quickly, and automatically approve it. , small consumer loans with self-service credit. Application conditions (1) Basic conditions 1. Be at least 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Be an electronic banking customer of our bank and hold a security certification tool issued by our bank. (Currently only second-generation K-Bao customers are supported) 4. The credit status is good, 5. There is no unexpired "NetJiedai" loan limit, and there is no unsettled "NetJiedai" loan balance. 6. Stable income and the ability to repay credit on schedule. 7. The purpose of the loan is reasonable and clear

The loan limit applied for on Jiedai is 3,000 yuan to 300,000 yuan; the loan limit is valid for 30 days, and the borrower must use the loan within the validity period of the credit limit. The loan limit cannot be applied for on a recurring basis , approval, and loan disbursement can be completed within a few minutes