Financing loan is the main way for enterprises to apply for loans from financial institutions. The following are the contents of five ways to solve financing loans that I have sorted out. Welcome to browse.
Five ways to solve financing loans 1 seeking small loans
Small businesses with good credit have a good chance to obtain small funds from microfinance institutions-usually no more than $50,000, even if they have been rejected by traditional banks before. The Fox Valley Microfinance Fund in the United States requires applicants to submit a letter of rejection from the bank. Although the relevant credit records will also be considered, the fund will not set high credit standards and will pay more attention to the specific circumstances that affect credit.
Use your own assets
After the bank reduced the loan amount, asset-backed loans took a big step forward. For example, in First Business Capital, qualified accounts receivable can be used for mortgage loans. The lender can pay 85% of the total amount in advance, and then pay the remaining 65,438+05% when your customer pays. Michael Colloton of the company said that the interest on the advance payment was 65,438, which was 0.5 to 3 percentage points higher than the prime rate. "Only in this way can we provide loans to companies with low credit value."
Network loan
If you need a small amount of liquidity, you can try the "person-to-person" (P2P) loan network to find suitable lenders and borrowers online. Although this is still a new thing, Steve Bloom, the former chairman and consultant of the Atlanta branch of the American SCORE organization, believes that "in three or four years, P2P lending services will make great contributions to the financing of small businesses."
Looking for big banks
If your credit rating and corporate profitability are good, you can find a local bank, which is relatively loose in corporate loans and has not fallen into serious subprime mortgage problems.
Negotiate with suppliers
Many people don't realize that suppliers are good loan resources. In fact, they are very much looking forward to the good development of their customers' enterprises, and they are often willing to adjust their payment methods to help customers overcome difficulties.
Five Ways to Solve Financing Loans 2 Small and Micro Enterprise Characteristic Loans
At present, most banks have their own small and micro enterprise loan products, including ICBC's "small convenient loan", China Construction Bank's "good financial loan", Minsheng Bank's "easy loan", Ping An Bank's "new loan", Guangfa Bank's "businessman" and Nanjing Bank's "new meager profit" and so on.
These loan products are characterized by higher processing efficiency and meet the financing needs of small and micro enterprises. We take Nanjing Bank's "new meager profit" as an example: micro-enterprises, individual industrial and commercial households and individuals can apply only by their own credit, which breaks through the dependence of micro-enterprises on collateral and guarantee companies in traditional loans, and micro-customers who meet certain conditions can directly finance through pure credit. In terms of repayment methods, the policy of matching principal and interest, paying interest once a month and repaying in advance at any time without penalty interest constitutes a flexible repayment structure. As long as the average monthly operating income reaches 654.38+10,000 yuan (inclusive) and there is a fixed residence, individual industrial and commercial households and individuals with local household registration must operate locally for more than one year (inclusive), and those with foreign household registration must operate locally for more than two years (inclusive) before they can go to Nanjing. In the case of complete application materials, the loan can be released within 2 days at the earliest. And customers can repay in advance at any time as needed.
Joint guarantee loan
The so-called "joint guarantee loan" means that a number of small enterprises voluntarily form a joint guarantee body and apply to the bank for loan credit after independent consultation. Once one of the members is overdue, the other members will be jointly and severally liable for repayment. According to reports, the biggest advantage of "joint guarantee loan" is that the loan approval procedure is simple, and joint guarantor members do not need to provide additional asset guarantees, let alone introduce guarantee companies.
Bank lenders reminded that although "joint loan" is very suitable for small and micro enterprises, banks are even stricter than ordinary mortgage loans in the first approval. "Including every member of the consortium, we must carefully check it out." Once approved, the loan will be quick and the funds will be guaranteed first. "The process is completed on the first day and the loan is released on the second day."
Order loan
Order loan, also known as order loan, is a loan business for small enterprises by providing orders with reliable payment conditions and taking contract sales refund as the first repayment source. Many banks, such as China CITIC Bank and Bank of Beijing, limit this loan to special loans. It is stipulated that loans should be used to purchase ordered goods and raw materials, provide specialized services and other related expenses.
Order loan can effectively solve the problem that the enterprise's production capacity can't keep up with the order scale. Colleagues, order loans usually do not need collateral, and the cycle is short, saving the loan cost.
Credit card overdraft
At present, many banks, including Guangfa, Shanghai Pudong Development Bank, China CITIC Bank and Huaxia Bank, have launched large credit card loans (cash advance business). Customers can directly convert the overdraft limit of credit cards into cash, and repay the principal and certain handling fees in installments. Banks give preferential interest rates according to customers' credit status and loan amount. Moreover, customers who successfully apply for this business are not used for interest calculation and can use it freely within the approved loan amount. For example, if the credit line is 6,543,800 yuan, and the customer can borrow 50,000 yuan first, then only the interest of 50,000 yuan will be counted.
Through mortgage loan
Because small and micro enterprises are small in scale and the cost of using them is much higher than that of loans from large enterprises, the safest way can only be solved by personal loans, and it is simpler and more efficient to mortgage real estate. In addition, many banks can allow other mortgage methods. The "Financing Easy" personal equity loan of Hangzhou Branch of Shanghai Pudong Development Bank is aimed at individual shareholders and operators holding high-quality corporate equity, with the equity of listed companies and unlisted companies as collateral to provide personal loans for borrowers' normal production and operation. Banks such as CCB, ICBC, BOC and ABC have launched personal gold loans according to the characteristics of physical gold and market demand. The maximum loan amount can reach 80% of the assessed value of the pledged brand gold, and customers can apply through online banking.
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