Of course this is true, but it is not easy to get a loan, because it depends on the turnover of your store. In fact, it is equivalent to the previous enhanced advance payment. For example, if the transaction order amount of your store is 1w (the goods have not been delivered or confirmed, so long as the payment is made, the transaction is completed), then your credit line is 1w, which can give you money before the buyer confirms the goods, so that you can have funds to operate. You should know that the transaction process of Taobao is very long. It takes more than half a month or even 1 month to collect an order. For some small shops, there are too many funds to turn around. Taobao allows you to collect money in advance, and then collect a certain handling fee from it.

The loan is equivalent to an enhanced version of the advance payment. It is based on the monthly, quarterly and annual transaction data of your store to calculate your loan amount, which is not something you can borrow casually.