The main ways of e-commerce financing are as follows:

1. Bank loans: The qualifications required by banks for traditional credit loans are inconsistent with the actual conditions of small and medium-sized enterprises, making it difficult for most online merchants to obtain financing. conform to. It is also difficult for asset-light online merchants to meet the bank's financing models such as mortgage, pledge, guarantee, and joint guarantee. In addition, online merchants have high borrowing frequency and fast capital turnover, while bank loans are mostly single credit, single use, non-recyclable, long approval time, and slow disbursement. Generally speaking, the traditional credit model of banks can no longer meet the needs of online merchants.

2. Small loan companies: Loans from small loan companies, like most of our companies, still need to rely on mortgages and guarantees. For online merchants, they are acceptable as temporary working capital, but they are unaffordable for long-term use. Moreover, most online merchants have no strong background and lack necessary collateral and guarantors.

3. Private lending: Except for interest-free loans from our relatives and friends, generally private lending does not require collateral, but it may require a guarantee from an intermediary. The annualized interest rate is between 20-30%, and the annualized interest rate for short-term loans can even be as high as over 80%. In coastal areas such as Zhejiang, Fujian and other places, monthly interest rates for loans once appeared at 30%, which is higher than loan sharking. Its advantages are less prominent.

4. Online lending platform: In the past two years, the emerging P2P online lending platform has solved the funding problems for many people and companies through the Internet. Online merchants, as lenders, are more worthy of consideration by our new entrepreneurs.

It is recommended to choose Mingde Capital Ecosystem when learning e-commerce financing. It has been engaged in the capital market for more than 20 years and has helped 33 companies successfully go public. It is a good choice for aspiring business owners. And if you still have questions about e-commerce financing, you can click the online consultation button below to chat directly with the teacher.