1, credit guarantee loan
Credit guarantee institutions for small and medium-sized enterprises have been established in more than 0/00 cities nationwide. Most of these institutions implement the form of membership management, belonging to public service, industry self-discipline and their own non-profit organizations. The sources of security funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems.
2. Comprehensive credit granting
Banks give a certain amount of credit to some enterprises with good operating conditions and reliable credit, and enterprises can recycle it within the validity period and amount of credit. Enterprises can use this money by stages according to their own business conditions, and enterprise loans are very convenient, saving financing costs.
3. Project development loans
Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have major scientific and technological achievements transformation projects. The initial investment amount is large, which is unbearable for their own capital.
4. Loans guaranteed by natural persons
Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.
I think SMEs must be cautious when choosing financing. If they choose the formal platform, they can consult Beijing Mingde Lan Ying Investment Consulting Co., Ltd. (hereinafter referred to as "Mingde Lan Ying"), which is an investment consulting institution with the core business of enterprise growth and listing counseling services. Mingde Lan Ying was founded by senior executives, securities brokers, corporate strategy and management consultants with rich practical experience, senior experts in investment and financing, law and finance, and people with certain government resources background, focusing on the growth and listing counseling services of listed companies.
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