What is Ali Small Loan?
Ali Small Loan (Ali Small Loan or Ali Credit Loan) is a financing loan service provided by Alibaba for member enterprises. It is an unsecured and unsecured pure credit loan, which is approved and issued by Alibaba itself, and is mainly used to meet the liquidity needs of member enterprises in the production and operation process.
Ali microfinance application conditions
1 is a member of Alibaba;
2. Applicant 18-65 years old, is the legal representative of the enterprise or the person in charge of the self-employed business;
3. The industrial and commercial registration has reached 1 year old and has been registered in Shanghai, Beijing, Tianjin, Zhejiang, Shandong, Jiangsu and Guangdong provinces.
Ali microfinance is suitable for people.
1, self-employed individuals with liquidity needs;
2. Good operating efficiency, with total sales exceeding one million within 1 year;
3. There is no bad credit record inside Alibaba or in the bank credit information system.
Application process
1. The borrower applies for a loan on Ali's website, fills in the relevant forms required for the loan and submits them;
Ali Company contacted the borrower after receiving the application. And passed the video verification;
3. Ali Company reviews the relevant materials submitted by the borrower;
4. Data is transmitted;
5. Ali Company issues loans.
loan interest
The interest-bearing method of Ali microfinance is daily interest. The borrower can recover it at his own expense and repay it when borrowing. The expected annualized interest rate of Ali Small Loan is six ten thousandths of the loan amount.
What is Ali Small Loan?
Ali Microfinance refers to the loan issued by the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. Ali Microfinance is a pure credit loan product provided by Ali Finance for Alibaba members (referred to as "Ali Credit Loan"). Ali microfinance is unsecured and unsecured. The loan products are open to members of Hangzhou Chengxin Tong (personal version and enterprise version) and suppliers in China, and the loan object is the legal representative of the member enterprise (personal version of Chengxin Tong is the actual operator).
Ali Xiaoyu focuses on serving micro-enterprises and self-employed entrepreneurs on Alibaba and Taobao platforms, and has successively launched Taobao order loan, Alibaba credit loan and Taobao credit loan products without collateral and guarantor. The minimum loan application amount is 1 yuan, and the maximum loan application amount is 500,000 yuan. The whole process of loan review and lending is completed online. The shortest loan time is 3 minutes (Taobao order loan) and the longest loan time is within 7 days after application (Alibaba credit loan).
Ali Credit Loan is a product of Alibaba Microfinance Company. The clients are online merchants and small businesses on Alibaba's e-commerce platform. The loan applicant must be the legal representative or actual operator of the enterprise. He can directly log on to the homepage of Ali Credit Loan, submit the loan application form, and provide the bank account of enterprise funds (which can be downloaded from online banking), the personal Alipay account and bank debit card number of the legal representative of the enterprise, and the credit report inquiry authorization (which can be downloaded from the Internet). Subsequently, the staff will have an online video conversation with the applicant, conduct face-to-face investigation and review, and then go from application to loan approval. It usually takes 2 3 working days, and the applicant can get the loan in 2 days at the earliest. If the initial review fails, you can apply again 30 days after the first application date. The advantage of this kind of loan is that it is completely free from geographical restrictions, with strong reproducibility and great development potential. As many as 6,543,800 online merchants and small businesses on Alibaba's e-commerce platform are theoretically potential customers.
What is Ali Credit Loan?
Ali Credit Loan is a pure credit loan product, which was launched by Alibaba and belongs to B2B credit loan. This product is mainly aimed at small and medium-sized enterprises, helping them solve financing problems and provide help in capital turnover.
Ali credit loan is unsecured and unsecured. At present, the loan product is open to members and domestic suppliers of TrustPass (personal version and enterprise version) in Jiangsu, Zhejiang and Shanghai, and the loan object is the legal representative of the member enterprise (personal version of TrustPass is the actual operator).
The maximum amount of Ali credit loan can reach 6,543,800 yuan. After the loan, the interest shall be calculated on a daily basis, according to the amount used, and no interest shall be calculated if it is not used; Repayment method: pay interest monthly, and repay the principal directly after maturity. (prepayment is possible)
What is Ali Credit Loan? This is its true face!
In recent years, credit loans have shown an explosive growth trend in China, and many people began to apply for such loans. Some friends who are not familiar with the credit industry have raised such a question: What is Ali Credit Loan? Let's give you a detailed introduction.
Ali Credit Loan is a loan product provided by Alibaba for its member enterprises, which mainly helps enterprises to carry out daily production and operation. The ant loan that everyone often hears about is the ordinary user version of Ali Credit Loan. Today, I mainly introduce the online commercial loan in Ali Credit Loan.
Online business loans are divided into speed version and standard version. The Supreme Edition has a maximum loan amount of 500,000 yuan, the application is completely online, and the funds will arrive in 3 minutes at the earliest. The standard version of the maximum loan amount is 2 million yuan. After the online application, there will be staff on-site service, and the processing time is about 1-2 weeks.
As Ali credit loan, online merchant loan does not need any mortgage or guarantee, and the interest rate will be determined according to the actual situation of the borrower. The specific classification is as follows:
1. The daily interest rate of paid members of Alibaba International Station is between;
2. The daily interest rate of free members of Alibaba International Station is between;
3. The daily interest rate of Datong members is at.
If you want to apply for an online merchant loan in Ali Credit Loan, you need to meet the following basic conditions:
1, aged between 15-65, the person in charge of the relevant member units of Alibaba;
2. The enterprise has been registered for more than 1 year (if you want to apply for the standard version, you must be a paid member of the international station for more than 1 year).
3. It must be a paying member of Alibaba International Station, an online merchant loan renewal member or a member of Datong (the standard version requires the borrower's annual sales to exceed 654.38+0 million yuan).
The above is about the online business loan in Ali Credit Loan, and I hope it will help everyone.
For more exciting information about Ali Credit Loan, please click on the topic of Ali Credit Loan to get more professional loan market information!