In fact, the bridge loan means that the enterprise cannot repay the loan after it expires, and then borrows a sum of money from the guarantee company for the transition. After the bank re-approves the loan, it will be used to repay the guarantee company's money to avoid the loans overdue of the enterprise.

To put it more bluntly, the debt maturity bank is after you. At this time you meet a river (overdue danger). If you can't cross the river successfully, you will fall into the fast-flowing river (overdue fines will affect your credit). At this time, you have to find a bridge to go to the other side of the river, so that you can land, or you will fall into the river. But crossing the bridge is not that easy. After all, it costs people a lot to build this bridge.

Second, simply popularize some details of bridge loan.

1, bridge loan participant

There are generally three participants in bridge loan, one is an enterprise or an individual, which is the main body of lending;

The second is banks or other credit institutions, but at present, those who are really willing to do bridge loan are basically aimed at bank loans, and many other private lending companies are unwilling to do so;

The third is the investor of the bridge fund. There will be bridge funds in bridge loan, which can be some guarantee companies or some ordinary enterprises. The point is that as long as everyone can find the money, others will be willing to pay.

2. The benefits of bridge loan.

If bridge loan succeeds, it will be beneficial to borrowers, banks or guarantee companies.

For the borrower, the loan cannot be repaid normally when it expires. After crossing the bridge, bank loans can be repaid normally, avoiding overdue and penalty interest, and avoiding the liquidity of enterprises being affected. For banks, enterprises can avoid overdue through bridge loan and reduce bad debts of banks; As for the guarantee company, you can also charge a certain fee for being a bridge loan, and everyone is very happy.