Working capital loan is a loan to meet the short-term (temporary, seasonal) capital demand of producers and operators in the process of production and operation, and to ensure the normal production and operation activities.

Working capital loan has the advantages of short loan period, simple procedures, strong turnover and low financing cost. Suitable for industrial and commercial enterprise customers with short-term and medium-term capital needs.

Extended data:

I. To apply for a working capital loan, the following conditions shall be met:

1. The borrower is legally established;

2. The purpose of the loan is clear and legal;

3. The borrower's production and operation projects are legal and compliant;

4. The borrower has the ability to continue to operate and has a legal source of repayment;

5. The borrower's credit status is good, and there is no significant or bad credit record.

Second, the calculation method of liquidity loan demand:

1. Estimate the working capital of the borrower;

2. Estimate the amount of new working capital loans;

3. Other factors, such as actual situation and future development, related customers, etc.

Three. Working capital loan survey items:

1. Credit status, organizational structure, corporate governance, internal control and legal representative of the borrower's management team;

2. The borrower's business plan and main investment plan, core business, production and operation, and business scope during the loan period;

3. The real financial situation of the borrower, including accounts receivable and accounts payable.

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