Some small and micro enterprises may encounter thorny problems in the initial stage of development, and need to find some lending platforms/institutions to make bank loans. However, when choosing a micro-loan platform, we have to consider which one is good. Then let me introduce you to three related platforms.
Which is the best micro-loan platform?
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.
Like the "general credit business" under the road of growth, it is suitable for small enterprises approved and registered by the State Administration for Industry and Commerce. The maximum loan amount is 30 million yuan, and the loan period is required to be within 1 year and not more than three years. Need mortgage guarantee/third party joint liability guarantee.
2. Micro-credit of Weizhong Bank
Weizhong Bank is a private bank initiated by Tencent, Baiyeyuan and Liye, and has a financial license issued by Shenzhen Banking Regulatory Bureau.
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".
In fact, in addition to the above three microfinance platforms, there are also online merchant loans from online merchant banks, tax easy loans from China Construction Bank and so on.
Well, this is the answer to the question "Which platform is the best for small and micro loans?". I hope it will help everyone.
What are the loan platforms for small and micro enterprises? Find the answer here.
At present, many small and micro enterprises or individual industrial and commercial households have the courage to start businesses, and the development prospects of the project are good. Because of the initial problems, they became difficult to operate and unable to maintain. They urgently need the help of loan platforms, but they don't know which loan platforms. Therefore, today I will give you a brief introduction to the small and micro enterprise loan platform.
1, 360 micro-credit loans
It is a formal micro-finance brand under 360, providing online large-sum capital loan services for the majority of small and medium-sized enterprises, with a maximum loan of 300,000, the fastest application for 5 minutes in 3 minutes and the longest repayment in 24 installments. Unsecured and unsecured, you can apply at the age of 20-55, whether it is an e-commerce merchant or an entity entrepreneur.
2. Online commercial loans
It is a loan platform for small and micro operators launched by the online merchant bank under the Ant Group. Online merchant banks are the first batch of formal licensed private banks in China. The maximum loan amount of online merchant loans is 300,000 yuan, which will be repaid as soon as possible, and there is no handling fee for early repayment.
3. Microfinance
It is a loan product of Weizhong Bank controlled by Tencent. General taxpayers, small-scale taxpayers or individual industrial and commercial households can apply. It is purely online. Submit the application-get the quota-borrow immediately, up to 3 million yuan, the fastest 1 minute.
4. Small and micro fast loans from China Construction Bank.
It is a loan service provided by China Construction Bank for small and micro enterprise customers. Loan products include small loans, tax easy loans and so on. Small loans can only be applied with the business license issued by the national industrial and commercial department, with a maximum loan of 5 million yuan and a loan period of no more than 1 year. Need mortgage guarantee. Tax Easy Loan is specially provided for high-quality tax paying small and micro enterprises, with the maximum loan amount not exceeding 3 million yuan and the loan term not exceeding 1 year.
All of the above are loan platforms suitable for small and micro enterprises. In addition, many commercial banks have loans for small and micro enterprises, such as the commercial loans of China Merchants Bank, so you can choose a more suitable one.
What micro-lending platforms are there to reveal the actual situation of the opening of the three major online loans?
Online lending has become a common thing in life. For lenders, they all hope to find some reliable online lending platforms. People mainly apply for online lending platforms. There are many very reliable small and micro online loan openings in the network, and borrowers need to choose carefully. What micro-loan platforms are there? What are the better micro-credit loans? Let's give you a detailed introduction.
For lending institutions and credit managers, loan companies have a sound product quality control system, a qualification review of lending institutions and a strong risk control mechanism, so the loan platform is safe and you can do loan business with peace of mind.
For loan applicants: the lending institutions on the loan platform are strictly audited, and all credit managers are also audited and certified. Therefore, the loan platform is safe and you can apply and consult with confidence.
From the qualification analysis of financial products on the loan platform, the financial products on the platform come from financial institutions recognized by the state, including state-owned banks, joint-stock banks, foreign banks, village banks and companies. Users only need to enter the loan search platform, screen out the matching products according to their personal qualifications, and submit the application online, so that they can enjoy the loan services provided by certified lending institutions. This way can be described as time-saving, labor-saving and safe.
loanchina
Easy Loan China is a leading online loan service provider in China, focusing on providing loan consultation, loan transaction and related information services for small and medium-sized enterprises and individuals. Easy Loan China is committed to building a brand-new loan service platform in the Internet era with first-class e-commerce technology and professional service capabilities, providing a perfect communication, evaluation and trading platform for both borrowers and related service institutions during the loan process, and promoting the perfection and development of China's financial market.
Rongdao net
Rongdao Com is an online financing intermediary service platform and the most accurate and convenient online financing loan platform pioneered in China. Established in June 2009 in Shanghai Lujiazui Financial Center. Lending users in Rongdao.com include individual consumers, self-employed individuals and small and medium-sized enterprises. Rongdao Com classifies domestic enterprises according to the scale of the industry, and sets up different credit structures and mortgage methods according to different financial institutions and loan officers. Its core is to label each enterprise and let banks and loan officers choose enterprises.
What micro-loan platforms are there? What are the reliable micro-credit loans? In summary, micro-credit loans with good reputation are recommended. These loans have a good reputation, mainly providing small loan services for borrowers and also providing loan services for some micro-enterprises. Applicants choose the appropriate loan amount according to their own needs.
What are the loan platforms suitable for small and micro enterprises and how to apply?
What are the loan platforms suitable for small and micro enterprises, how to apply, what are the online loans that are easy to pass, and what are the online loan platforms that are easy to review and pass at present?
Top Ten Regular Online Lending Platforms Ranking:
In our daily life, we will inevitably encounter economic pressure. Some people will choose to borrow money from friends to tide over the difficulties, but some people will choose to apply for online loans instead of bothering friends, and the speed of getting money is generally faster.
At present, there are many lending platforms and lending companies, which are mixed. It's really hard to tell whether it's formal or not without some experience. I had a particularly hard time and used many platforms to turn around. Personally suggest borrowing and micro-lending, Alipay and WeChat products are the first choice. Needless to say,
Secondly, it is recommended to use the rich flower, Xiaoman (formerly known as Baidu Finance), which is also a big platform. I feel very good when I use it myself. There is no routine, and the interest rate is also low in the industry (from 0.02% for daily chemicals, the lowest annualized rate is only 7.2%), with a maximum of 200,000!
The key point is that unlike micro-loans and loans, only the invitation of the system can be opened, and you can apply for it yourself if you have money. I heard from my friend that the exclusive channel can improve the right to add points and the approval amount will be higher, so my friend gave me an exclusive channel and put it there.
It's not easy to share with you now. If you need it, please click on the application below. I wish you an early settlement. Remember to use the quota when it comes out. Now the review of small loans is also stricter!
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Let's share a relaxed comment: 360 IOU is a consumer credit brand under 360 Finance, which provides small credit loans to users who need money, and can provide users with loans of1-200,000 yuan, and can adopt two modes of installment repayment and loan repayment. The two repayment methods are different, and the way of calculating interest will be different.
Each borrower's interest is different, depending on personal credit and qualification; 360 official website advertises, 1, 000 yuan is used 12 months, and the minimum daily cost is 27 cents; 360 loan is a 360 financial loan platform, and behind 360 finance is the Internet giant Qihoo 360.
Qihoo 360, as the largest Internet security company in China, has a good corporate reputation and operational capabilities.
360 IOUs, with a maximum loan of 200,000!
Click online measurement
Finally, this review is strict, but the maximum amount (recommended mortgage, car loan, provident fund and insurance policy), Ping An Bank's new loan can provide you with a pure credit loan of1-500,000 yuan. The service period is 65,438+02,24,36,48, and the monthly interest rate is 65,438+0.1. From the amount, term and interest, it can be seen that Ping An Bank's new loans are relatively reliable.
Ping An Pratt & Whitney mainly provides various loan services for small and micro enterprises and individuals; The full name of Ping An Pratt & Whitney is "Ping An Pratt & Whitney Financial Business Cluster" and it is a member of China Ping An Insurance (Group) Co., Ltd. ..
Ping An Xin Yi Dai Click Online Measurement
How to identify a formal loan platform? Look at these aspects!
1, application materials
The formal loan platform requires the borrower's qualification, credit and financial resources. In order to lure you into the trap, scammers often set a very low threshold and even have no requirements. Real name, ID card, address book and emergency contact should be verified. Liars don't care about this, as long as more people can apply.
2. Credit investigation
At present, the vast majority of formal lending platforms have been connected to the central bank for credit reporting. Even if there is no credit, they support binding credit cards. On the one hand, it is to check the spending power, on the other hand, it is to check the credit information. Liar companies don't check credit information. They are even more dishonest than you, and their purpose is to cheat your trust.
3. Loan interest
The law clearly stipulates that the annual interest rate exceeds 36%. I suggest that before you borrow money, you can look at the loan principal and repayment amount displayed on the platform to find out whether the interest you should repay is higher than 36%. Generally higher than 24%, it is a product with high interest.
4. Loan eligibility
You can check the nature of the loan platform online before borrowing, or check the loan contract before confirming the loan to see if the company has the qualification to lend, otherwise it is illegal.