The loan business of "enterprise crossing the bridge" refers to the business that the guarantee company issues loans to customers with its own funds, pays off the original loans under the enterprise name for customers, and repays the loans of the guarantee company with the approved enterprise working capital loans.

Bridge fund is a kind of short-term financing with a term of 6 months, which is a kind of fund connected with long-term funds. The purpose of providing bridge funds is to achieve the conditions of docking with long-term funds through the financing of bridge funds, and then replace bridge funds with long-term funds. Crossing the bridge is only a temporary state.

Generally speaking, the information bridge loan demand mainly includes the following contents:

1. Copy of business license, copy of organization code certificate and copy of tax registration certificate;

2. A copy of the Articles of Association;

3. A copy of the capital verification report;

4. The legal representative's qualification certificate and a copy of the legal representative's ID card;

5. Introduction of the enterprise (including the analysis of the current situation of the industry, please extract the advantages of the enterprise as much as possible);

6, the current sales situation and customers, sales contracts of several big or major customers in the last three months;

7. Copy of the loan card number;

8. Land certificate and real estate license;

Generally speaking, bridge loan is a short-term loan and a bridging loan. Bridge loan is an effective tool for directly capitalizing purchase opportunities, and its quick recovery rate is a great advantage of bridge loan. In bridge loan, the term is relatively short, the longest is no more than one year, the interest rate is relatively high, and some collateral such as real estate or inventory is used as collateral.

The funds provided by bridge loan to pave the way for M&A transactions can be understood as temporary or short-term loans provided by banks and other financial institutions to borrowers. It can be in the form of fixed loan or revolving letter of credit, but the term is short. Therefore, it can only be a short-term financing, which plays a "bridge" role in M&A transactions. The interest rate of "bridge loan" is 2%~5% higher than that of ordinary loans.

Although bridge loan has the characteristics of short time, high efficiency and emergency response, it is still very risky for ordinary enterprises and individuals to apply for bridge loan. It is not recommended to try it easily unless they are fully sure of the follow-up capital withdrawal. Otherwise, bridge loan will only push borrowers into a more difficult situation.