(1) Financing lease Financing leasing for small and medium-sized enterprises means that the lessor purchases the leased items from the supplier based on the lessee's selection of suppliers and leased items and provides them to the lessee for use.
Financing to pay rent in installments.
If you want to obtain financial leasing for small and medium-sized enterprises, the project conditions of the enterprise itself are very important, because financial leasing focuses on examining the future cash flow of the project. Therefore, the success of financial leasing for small and medium-sized enterprises is mainly concerned with the benefits of the leasing project itself, rather than the comprehensive performance of the enterprise.
benefit.
In addition, the credit of the enterprise is also very important. Just like bank lending, good credit is the basis for the next loan.
(2) Bank Acceptance Bill In order to conclude a transaction, the financing parties of small and medium-sized enterprises can apply to the bank for the issuance of a bank acceptance bill. After review and approval, the bank will formally accept the bank acceptance contract. The accepting bank must sign or seal the acceptance bill indicating acceptance.
.
In this way, a bank acceptance bill is called a bank acceptance bill. Specifically, a bank acceptance bill is a bank guarantee for the buyer. The seller does not have to worry about not receiving the payment, because the bank will definitely pay the payment due to the buyer's guarantee when it expires.
The advantage of bank acceptance bill financing for SMEs is that enterprises can achieve short-term, frequent and fast SME financing, and can reduce corporate financial costs.
(3) Real estate mortgage Real estate mortgage SME financing is currently the most commonly used financing method for SMEs in the market.
When financing small and medium-sized enterprises with real estate mortgages, enterprises must pay attention to China's legal provisions on real estate mortgages, such as the "Guarantee Law", "Urban Real Estate Management Law", etc., to avoid being deceived.
(4) Equity transfer Equity transfer SME financing means that SMEs obtain funds by transferring part of the company's equity to meet the company's funding needs.
Small and medium-sized enterprises actually want to introduce new partners when selling equity for small and medium-sized enterprise financing.
The process of attracting direct investment.
Therefore, the selection of objects for equity transfer must be very careful and thorough, otherwise the company may lose control and be in a passive situation. It is recommended that entrepreneurs consult corporate law professionals before carrying out equity transfer and proceed with caution.
(5) Delivery Guarantee The main advantage of delivery guarantee for small and medium-sized enterprise financing is that it can seize market opportunities, reduce the pressure on corporate funds, and improve cash flow.
This kind of trade financing for small and medium-sized enterprises is suitable for small and medium-sized enterprises that have opened a letter of credit in the bank, imported goods have arrived at the port, but the documents have not arrived, and are eager to pick up the goods.
Small and medium-sized enterprise financing companies that carry out delivery guarantee must pay attention to the fact that once the delivery guarantee procedure is completed, no matter whether there are any discrepancies in the documents received, the enterprise cannot refuse to pay or refuse to accept.
(6) International market development funds This part of the funds mainly comes from the Central Foreign Trade Development Fund.
If small and medium-sized enterprises want to raise funds through this channel, they should note that the main contents supported by market development funds are: overseas exhibitions, quality management systems, environmental management systems, software export enterprises and various product certifications, international market promotions, and the development of emerging markets.
Markets, training and seminars, overseas bidding, etc., and priority support will be given to expansion activities in emerging international markets such as Latin America, Africa, the Middle East, Eastern Europe and Southeast Asia.
(7) Compared with other investment methods, Internet financial platforms conduct qualification reviews and on-site inspections of companies applying for financing, select high-quality projects with investment value, and invest in them on investment and financing information docking platform websites such as the investment and financing industry.
It also provides an online investment trading platform to generate legally binding loan contracts for investors in real time; supervises the company's project operations, manages risk guarantee funds, and ensures the safety of investors' funds.
The financing method created by Ai Investment is to let professional institutions do professional things.
On the one hand, it takes advantage of the publicity and openness of the Internet, and at the same time, it combines the professionalism of traditional financial institutions in risk control, credit review, etc.
As an investment and financing platform, it is in the middle position. On both sides are investors and demanders with financing needs, but it also cooperates closely with third-party guarantee institutions.
Professional guarantee for users’ investments.
At the same time, it also cooperates with credit rating agencies and asset management institutions to provide users with comprehensive interpretations of investment information and provide guarantees for the follow-up of asset disposal.