Consumer loans in Sam are formal. The function of Sam Club Commercial Loan Center is very simple, which is to provide fast, convenient and affordable short-term credit loans for Sam commercial members. The amount of loans granted by the platform is between 50 million and 350,000 US dollars. The minimum annualized interest rate is 6.95%. This loan can be used to supplement the working capital of the enterprise, purchase inventory, expand business, purchase equipment, restructure debts or conduct mergers and acquisitions. The project was jointly built and maintained by the famous online lending companies LendingClub and SmartBiz.