It will be evaluated once a month.

1. From what we have learned, online merchant loans basically evaluate the borrower's comprehensive credit status once a month, and if the evaluation results meet the withdrawal conditions, they will be withdrawn. In other words, everyone has the opportunity to be withdrawn every month, but how often it is withdrawn depends on the borrower's own comprehensive credit situation.

2. Maintain a certain degree of dependence on online merchant loans, that is, maintain the frequency of use of online merchant loans. With the accumulation of online loan records, everyone's comprehensive credit score will gradually improve, thus shortening the withdrawal time.

3. In daily life, make more use of other functions of Alipay, so that Alipay can master more personal information of everyone. As online business loans become more and more familiar with everyone's situation, the amount of credit granted will be further improved.

4. Try to increase your store income. Because online business loans are loan products specifically for shopkeepers and suppliers. Therefore, the better the business situation, the higher the amount of online business loans that can be obtained.

5. Improve the service level and enhance your reputation. If everyone's user evaluation is getting higher and higher, then there will be more and more opportunities for promotion.

Personal ways to improve online business loans;

1, go shopping in Taobao and Tmall, and the real thing is the best.

2. Donate at least 2-3 times a month at will. Love lies not in quantity, but in persistence.

3. The number and address of water and electricity payment must be the same as your collection address. If they are different, we advise you not to pay.

4. Financial management must be in direct proportion to your monthly shopping. For example, if the monthly consumption is above 1 000, it is best to put 20% of the shopping amount in your financial management ratio. Don't take all the Yu 'ebao away, you might as well go to Ant Wealth to play.

5. If you add Alipay friends, you need to chat more, transfer money, send red envelopes and interact. If you don't do this, you may be recognized as a zombie friend by Alipay, and your overdue friends can be deleted.

6. Improve your own information, such as education information, work information and vehicle information.

7, credit card binding, the number is the most reasonable of the three, too much will judge your debt pressure, affecting credit.

8. Be sure to borrow money first. If you don't borrow money, how can you raise the amount? If you want to increase the quota, try not to repay in advance.

Therefore, online business loans will be adjusted once a month. You can pay attention to some ways to increase the amount.

How long can the online merchant loan amount be restored?

Online business loans are revolving loans, so the amount can generally be restored immediately after repayment.

However, considering that the system will evaluate and audit users from time to time, and adjust the quota according to the audit results. Therefore, if there is bad behavior before, the credit of the account will decline; Or the store is poorly managed, and the user may not be able to recover the amount after paying back the money. And if the credit line is not restored and there is no available credit line in the account, then the user can't borrow it any more.

However, there is generally no situation in which the repayment amount has not recovered. After all, as long as you keep an appropriate borrowing frequency; Personal credit has also remained good; If the operation quality of the store is maintained well, the quota can be restored immediately after the user pays back the money.

If the credit limit is not restored after payment, users can actually improve their credit and improve the quality of the store within a period of time. After a while, maybe the system will restore the account limit.

If the online merchant loan is not restricted due to shop violation, deduction, personal credit reduction, sesame score reduction and other reasons, it will take at least half a year to recover.

If it is for security reasons, the online merchant loan amount will be restored after switching to the environment for a period of time, up to 1-2 months. Therefore, the recovery time of online business loans should be determined according to the reasons for closure. Specifically, we can continue to pay attention to the changes in the loan amount of online merchants.

How often does the online merchant loan increase? How to restore the amount of online business loans?

How often does the online business loan increase the quota?

According to online media reports, online merchant loans increase once a month on the 6th. The first thing to note is that this statement is incorrect. According to the information of online merchant loan in official website, there is no fixed time to adjust the online merchant loan amount, and the system software generally evaluates the borrower's qualification level every 3-6 months.

If the borrower's qualification level is improved, the online merchant loan amount is likely to increase. If the borrower's personal qualification level decreases, then the online merchant loan amount is likely to decrease. If the borrower's personal credit report shows that loans overdue, loan records and other online business loans are too much, it is very likely that online business loans will be stopped immediately.

If the borrower is not satisfied with his online merchant loan amount, he can actually take the initiative to increase the fixed amount. Look for the "reminder of quota increase" in the user center, and then add information, and you can get the opportunity to greatly increase the quota.

In addition, borrowers can update their business licenses in time, fill in tax information, and scan VAT invoices. , these are conducive to the rapid extraction of quotas. From the feedback of actual customers, if the borrower can open the collection of the merchant, the greater the amount of payment received by the merchant, the greater the probability of loan withdrawal of the online merchant.

How to restore the online merchant loan quota?

1. If it is overdue, it is necessary to settle the debt as soon as possible to avoid some personal behaviors that damage personal credit information, such as frequently approving the application for card loan and failing to repay the loan on time. The key is to keep personal credit information well, and credit is good or bad.

2. Improve business conditions. According to the transaction volume stimulated by various activities, we also actively promote stores, improve the ranking of online stores according to mining keywords, and prompt customers who have immediate gains to give them five-star praise. For the malicious bad reviews that have appeared, we will actively negotiate with customers to solve them, and communicate with online store customer service to explain these.

3. On weekdays, merchants also need to increase the use time of Alipay, improve the popularity of Alipay accounts, and interact with good friends, such as chatting, transferring money, and issuing red envelopes. , and also save money in Yu Libao to establish a good personal credit foundation, which is conducive to the repair of online business loan lines.

Increase operational flow

However, online business loans are specifically aimed at small and micro enterprise managers. In order to repair and increase their loan amount, enterprise managers need to improve the monthly operation of their stores first.

The increase of operation assembly line and the praise and exposure of shop products can improve the qualification level of enterprise managers and obtain higher loan amount. If there are problems in the operation of the borrower's store, such as a large number of malicious bad reviews and returns, the system will feel that the borrower is at great risk during regular comprehensive evaluation, and it is very likely that the online merchant loan line will be revoked.

Improve personal credit report

If you want to improve your personal credit, in addition to increasing your own proof of funds, the borrower must repay on time. The borrower must keep the store's favorable comments above 90%, and his credit card loan must not have loans overdue phenomenon. Don't borrow too much, so as to avoid too much microfinance information in personal credit information.

In addition to the above methods, borrowers can also buy some investment and wealth management products in Alipay on time for investment and other practical operations. It can effectively improve the borrower's sesame score and effectively repair the online merchant loan amount.

Analysis: Why does the online merchant loan amount change several times a day?

; ? Online business loan is a business product that small and micro enterprises and self-employed individuals can apply for for for a long time. Some users ask why the online merchant loan amount changes several times a day. Then briefly talk about this problem, I hope it will be helpful after reading it.

Why does the online merchant loan amount change several times a day?

The main reason is that the system evaluation is more frequent, and the online merchant loan amount for users has been adjusted, so it will be changed several times a day. After the final evaluation results come out, users can borrow according to the page display.

The evaluation amount of online merchant loans is comprehensively evaluated according to the use and operation of user accounts, which will lead to differences in the credit amount of each user. Users can log in to Alipay APP and click My-Online Business Loan to view it.

It should also be noted that the online merchant loan amount is not fixed, but will change with the irregular review of the system, so a good repayment record and normal operation are very helpful for improving the online merchant loan amount.

As for the use of the quota, in principle, the quota will be restored immediately after the user's repayment is successful. If the paid amount has not been restored, it means that it has not passed the evaluation and audit at present, and it can only be improved by users themselves, and no manual intervention can be made.

The above is about "Why does the online merchant loan amount change several times a day?" . Generally speaking, the system will evaluate online business loans from time to time, so the amount may be reduced or increased, but changing it several times a day means that the platform is frequently adjusted.