Order loan refers to the short-term loan obtained by the borrower by presenting the customer's order or contract to the financial institution. This kind of loan is usually aimed at the working capital needs of small and medium-sized enterprises, because they will have some difficulties in obtaining large loans. In addition, order loan can also help enterprises avoid missing business opportunities due to insufficient cash flow.

Order loan is characterized by a short capital turnover cycle, which generally takes only two to three months, which can cover the time from ordering to payment settlement. Because the order loan is mainly secured by the customer's order or contract, the loan interest rate is lower than other types of SME loans, but the risk is relatively high.

The order loan market has a broad prospect, which can meet the short-term capital needs of small and medium-sized enterprises, improve the financing channels of enterprises and strengthen the cash management ability. At the same time, the competition in the order loan market is also fierce. With the development of financial technology, there are more order loan platforms, such as Yin Bao. In the future, order loans will also drive the development of small and medium-sized enterprises and promote economic development.