The online merchant loan was launched by the first batch of pilot private banks in China-the online merchant bank, which is also an Internet bank under the Ant Group. Relying on Alipay, the main service targets are Taobao Tmall sellers, Alipay external merchants, small and micro enterprises, individual industrial and commercial households and so on. In order to help solve the problem of borrowing money in operation. So, how do online merchants borrow money? Let's take a look together.

First, how to borrow online business loans?

1. Open Alipay and click "My" in the lower right corner;

2. Turn down the page and find "online business loan" to enter;

3. Click "Agree to the agreement, check the quota" to find out the loanable quota and annual interest rate, and then click "Borrow money";

4. According to the page prompts, enter the specific loan amount, loan period, check the loan interest, and finally click OK.

Note: If the user's Alipay-My page does not have "online merchant loan", you can directly search in the search box on Alipay's homepage, or you can find the application entrance of online merchant loan. Online business loans are mainly provided for small and micro enterprises and individual operators, and ordinary consumers may not be able to apply. The specific application depends on the system evaluation.

Second, other explanations of online business loans.

1. The online merchant loan e-commerce customer has a maximum loan amount of 3 million, which can be repaid with the loan, and there is no handling fee for early repayment.

2. The loan term of the online merchant loan for individual operators is 12 months, and the interest-bearing method of the loan is even, and the loan can be repaid in advance at any time without any handling fee.

3. The penalty interest formula of online merchant loans overdue is: penalty interest = overdue bill amount * interest rate * 1.5* overdue days, and the overdue days are not included in the overdue payment date.

The above is about "how to borrow money from online business loans", hoping to help everyone.

How to lend the account of the designated supplier of online business loan? More stringent than before!

If self-employed or small and micro business owners want to apply for loans, many people will think of online business loans. Some users asked how to lend the account of the designated supplier of online business loans. Then let's briefly talk about this problem for everyone, hoping to find it helpful after reading it.

How to lend the account of the designated supplier of online business loan?

In terms of online business loan credit review, there is little difference from the previous application, except that the supplier's account needs to be added, and then the platform will transfer the credit line to the designated account after review, which saves the trouble of users withdrawing the credit line and then transferring it, and effectively avoids the risk of users using it for non-designated purposes after obtaining the credit line.

It should be noted that for accounts that cannot add designated suppliers, there are some cases on the Internet that help to withdraw the loan amount of online merchants and then charge them. I suggest you don't try this illegal withdrawal method, which will have a bad influence on your future loan application.

In addition, for small shop owners and other users who need funds for their actual business, if they can't provide designated accounts, they can consult the official customer service of online business loans to see if there is any solution.

Finally, in terms of repayment, online merchant loans are products of online merchant banks. After lending, you should be punctual and trustworthy, and there should be no overdue behavior.

The above is the answer about "how to lend the account of the designated supplier of online business loans". Generally speaking, first of all, users should have a credit line for online business loans, and secondly, they should have a supplier account that meets the requirements of real transactions. After adding, the platform will review and pay if it meets the requirements.

How to use the online business loan supplier loan? Do online merchants need suppliers for loans? Where can I find an online merchant loan supplier?

We all know that China's social and economic development is getting better and better, and people's awareness of small and micro enterprises is getting higher and higher, especially online business loans, which can be said to be deeply loved by small and micro enterprises. Online business loans are also very convenient for everyone's life. Each small and micro enterprise can become a supplier account as long as the collection account provided by the user has liquidity and is used reasonably, and then make a supplier loan.

I have to say that individuals who open online business loans and apply for loans generally do not look for suppliers. This is also a trick. We must learn to maintain our personal credit information in our daily life. Only in this way can our loan amount be higher and higher. With a good credit status, it is easier to borrow money, and at the same time, we should be more concerned about the operation of the store. Only by maintaining normal operation and using Alipay to collect money can we better apply for the network.

Meanwhile, a good balance sheet is also possible. Better improve our loan quota. If Alipay is not commonly used, then we can also try to use Yu 'ebao to save money frequently. At the same time, we should try our best to improve our personal information, whether it is academic information, real estate information or riding information, which can help us increase the loan amount. I hope everyone can know this.

In addition, you can also use Alipay to transfer money with family and friends, which has a very good promotion effect on your personal credit and contacts, and is also very beneficial. However, it should be noted that we must be strict with ourselves in the use of online business loans. We all know that many people have developed the habit of spending in advance, which is actually not worth promoting.

How to use online merchant loan and supplier loan?

When applying for a loan, Alipay needs to fill in the supplier, so as to supply the funds to the supplier's account, ensure that the borrower will use the loan funds for purchase, production and operation, and prevent the funds from flowing into the stock market and real estate.

Therefore, customers only need to use the loan funds to purchase or update business equipment, pay the rent of the leased business premises, decorate the commercial housing and turn around the working capital according to the regulations.

The purpose of the loan is to pay the supplier's payment, which is also to control the risk. This will require the money to be credited to a third-party account, which can prevent some customers from deliberately defrauding the loan and using the loan funds for personal consumption.

And if the customer can't provide a supplier when applying, then he can't borrow money. For example, many banks will require customers to upload consumption vouchers, and the same is true. If the customer can't upload the compliant consumption voucher, the bank is likely to terminate the contract in advance, require the customer to pay the money in one lump sum in advance, and may also have to pay liquidated damages.