Generally speaking, industrial enterprises are more likely to borrow money than trading companies. Those who want to borrow can guarantee loans to each other, and affiliated enterprises can guarantee loans to each other. The report is beautifully done, and the probability of passing it is much greater. When banks issue loans, they are not interested in which industries and projects. What they need is to recover the loan on time, and you pay the interest on time every month. Relatively speaking, banks are only interested in mortgage loans, and the funds lent to you are working capital.
Which loan platform is good and safe?
The loan platform is convenient and safe to borrow:
Zhongan Small Loan: Zhongan Small Loan is an unsecured, pure online consumer credit platform launched by Chongqing Zhongan Co., Ltd. Based on mature and professional risk control capabilities, the overall credit of customers is evaluated, and the upper limit of three-step loan is as high as 200,000, with an average of 5 seconds.
Qianhua: "Qianhua" is a brand of Xiaoman's financial credit service. It uses artificial intelligence and big data risk control technology to provide users with convenient, fast and safe loan services.
1. High loan amount: the maximum loan amount can reach 200,000 yuan (subject to actual approval).
2. Fast loan approval: online application, quick approval and quick receipt.
3. Transparent interest rate and flexible repayment: the daily interest rate of the loan starts from 0.02%, and various repayment channels are supported.
Which loan platform is good, easy to apply, and fast?
What platforms are there for corporate loans?
Under normal circumstances, corporate loans are relatively large. Under normal circumstances, corporate loans can be handled through commercial banks or loan companies. Among them, the banks that handle corporate loans are China Construction Bank, China Bank and China Industrial and Commercial Bank. Common loan companies include Rongdao.com and Easy Loan China.
I have to remind you that many enterprises now choose loans for their development. When choosing a loan, we must pay attention to choosing a formal enterprise platform, so as to ensure our personal credit problems.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
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It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!
Best loan for small and micro enterprises
1. Small and micro fast loans from China Construction Bank.
Under the small business finance of CCB, there are four services: growth road, quick loan, micro-loan and credit loan. Small and micro enterprise applications under each service are different and need to be selected according to their own situation.
2. Micro-credit of Weizhong Bank
The microfinance service under its door is provided for small and medium-sized enterprises. Associated enterprises can borrow RMB 3 million per day without mortgage, with the longest repayment period of 36 installments.
3. China Merchants Bank Micro Lightning Loan
Small and micro lightning loan is a pure credit loan, which is exclusive to small and micro business owners. The maximum loan is 500,000 yuan. For details, please pay attention to WeChat official account "China Merchants Bank Personal Loan".
The standard of small enterprises is generally that the number of employees is below 500 or the annual sales of enterprises is below 654.38+million yuan;
The standard for dealing with small enterprises is that the number of employees is less than 300 or the annual sales of enterprises is less than 30 million yuan or the total assets of enterprises are less than 40 million yuan;
The standard of small wholesale enterprises in small circulation enterprises is that the number of employees is below 100 or the annual sales of enterprises is below 30 million yuan; The standard of retail small enterprises is that the number of employees is below 100 or the annual sales of enterprises is below100000 yuan;
The standard of small transport enterprises is that the number of employees is less than 500 or the annual sales of enterprises is less than 30 million yuan; The standard of small storage enterprises is that the number of employees is below 100 or the annual sales of enterprises is below1000 yuan.
As long as one of the above-mentioned standards of the number of employees or annual sales (total assets of the enterprise) is reached, it can be identified as a small enterprise.
Application conditions
1. conforms to the national industry and industrial policies, and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and has no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;
4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
8. Abide by the policy of establishing industry credit related to small enterprises;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.