This year, affected by the epidemic, many small and medium-sized enterprises are facing the problem of financing difficulties. In order to solve the problem of insufficient liquidity, they must pass some credit business. In addition to traditional commercial loans, many banks have also issued special loans suitable for enterprises. For example, China Industrial and Commercial Bank's SF Express Loan is such a pure credit enterprise loan. Today we will briefly introduce the relevant content.

1. What product is ICBC SF Express Loan?

This product of ICBC is mainly based on the comprehensive evaluation of multi-dimensional data such as freight, warehousing, industry and commerce, credit and so on. And give the enterprise a suitable loan amount. The focus is on using SF Express, express delivery and other services. If small and micro enterprises usually use SF Express and establish good business contacts, then they can enter the whitelist customers and apply for this product.

The characteristics of ICBC's SF Express Loan are: pure credit loan, unsecured guarantee, repayment with the loan, and enterprises can apply for loans at any time.

Second, 500,000 yuan to quickly solve the funding problem

A company in Shandong is mainly engaged in the processing and sales of refrigeration equipment, supplying for online merchants and delivering by SF Express. The monthly freight amount is as high as 200,000 yuan. Due to this year's epidemic, there are problems in capital flow, and funds are urgently needed to pay for freight, otherwise production and sales will stagnate.

After learning of this situation, ICBC arranged personnel to go to the door to investigate and verify the situation, then instructed the business owners to apply for SF Express Loan business through SF Finance, and then opened a legal person account for the enterprise by reviewing the business conditions, financial reports, income and profits, and issued a credit loan of 500,000 yuan to customers in just two days, which solved the funding problem.