1. How long is the working capital loan?
Working capital loans are divided into temporary loans, short-term loans and medium-term loans according to the loan term.
(1) Temporary loan
Working capital loans with a term of 3 months (including 3 months) are mainly used for the temporary needs of enterprises to purchase goods at one time and to make up for other seasonal payment funds;
(2) Short-term loans
Short-term loans are working capital loans with a term of 3 months to 1 year (excluding 3 months, including 1 year), which are mainly used for the capital needs of normal production and operation of enterprises;
(3) Medium-term loans
Medium-term loans refer to working capital loans with a term of 65,438+0 to 3 years (excluding 65,438+0 years, including 3 years), which are mainly used for the regular turnover occupation in the normal production and operation of enterprises and to lay the foundation for working capital loans.
Second, what is the process of working capital loan?
1. Apply for a loan. Enterprises apply for working capital loans from banks, and provide relevant materials of enterprises and guarantee subjects (when necessary).
2. Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.
3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.
4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.
3. What are the liquidity guarantee methods?
Working capital loans can be divided into credit loans, third-party secured loans, mortgage loans and pledge loans according to their different guarantee methods.
According to different purposes, working capital loans also include other loans of securities companies, mainly including real estate mortgage loans, pledge loans, secured loans and credit loans, which are used to solve the development needs of securities companies such as the purchase of fixed assets and the decoration of business departments.
To sum up, liquidity is generally aimed at short-term borrowers, but the duration should be stipulated by borrowing, but as long as the loan is handled according to the process, it needs to be repaid within the specified time, so as to ensure that your credit information will not be affected, so different situations will be treated differently.
Legal basis: Article 16 of the Interim Measures for the Administration of Working Capital Loans.
The lender shall calculate the borrower's working capital demand according to its business scale, business characteristics, accounts receivable, inventory, accounts payable, capital cycle and other factors (see Annex for calculation method), and comprehensively consider the borrower's cash flow, liabilities, repayment ability, guarantee and other factors to reasonably determine the loan structure, including amount, term, interest rate, guarantee and repayment method.