What are the channels for SME loans?

1. Upstream and downstream channels: Small businesses can look for loan opportunities from upstream and downstream of the industrial chain. If it is a dealer of a well-known brand car, the company can borrow the credit and guarantee of the upstream manufacturer to get a loan. If it is a material supplier of a leading company

You can also use the order to go to the bank to process the order pledge.

2. Policies: Now the country is vigorously supporting small and medium-sized enterprises and has successively launched many preferential policies.

The Small Business Bureau and the Industrial and Commercial Bureau usually have relatively complete bank credit information. Some departments will introduce companies to join a certain bank-securities joint loan project, and some will set up guarantee agencies to provide guarantees for small business loans.

3. Financial institutions: You can obtain loan information from various commercial institutions, such as development zone management committees, chambers of commerce and industry associations in development parks or science and technology parks. Some commercial institutions will also set up joint loan projects with banks.

Small business loans are guaranteed by commercial institutions.

4. Local channels: If the company is a member of a county industrial cluster or a local advantageous and characteristic industry, the company can also apply for joint guarantee loans and other loan types based on the advantages of related companies.

Extended information: What are the ways to obtain loans for small and medium-sized enterprises?

1. Comprehensive credit refers to granting a certain amount of credit line within a certain period to some enterprises with good operating conditions and reliable credit, which can be used repeatedly by the enterprise within the validity period and the limit.

For a comprehensive credit limit, the enterprise shall apply for relevant materials at one time and the bank shall approve it at one time.

Enterprises can use the funds in installments according to their own operating conditions and borrow and repay them at any time. It is very convenient for enterprises to borrow money and it also saves loan costs.

Banks provide loans in this way, generally to enterprises that have industrial and commercial registration, passed the annual inspection, have good management, have reliable reputation, and have a long-term cooperative relationship with the bank.

2. Credit Guarantee Loans Among the 31 provinces and cities across the country, more than 100 cities have established credit guarantee institutions for small and medium-sized enterprises.

Most of these institutions implement membership management and are public service, industry self-disciplined, and non-profit organizations.

The source of the guarantee fund is generally composed of local government financial allocations, member funds voluntarily paid by members, funds raised from the community, and funds from commercial banks.

When member companies borrow money from banks, they can be guaranteed by small and medium-sized enterprise guarantee institutions.

In addition, small and medium-sized enterprises can also seek guarantee services from guarantee companies that specialize in intermediary services.

When enterprises cannot provide guarantee measures acceptable to banks, such as mortgages, pledges or third-party credit guarantors, guarantee companies can solve these problems.

Because guarantee companies have more flexible collateral requirements than banks.

Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures. Sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.

3. Project Development Loan If some high-tech small and medium-sized enterprises have a scientific and technological achievement transformation project of great value and the initial investment amount is relatively large and the enterprise's own capital cannot bear it, they can apply for a project development loan from the bank.

Commercial banks will provide active credit support to small and medium-sized enterprises that have high-tech products or patented projects with mature technologies and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements.

For high-tech small and medium-sized enterprises that have established stable project development relationships with universities and scientific research institutions or have their own research departments, banks can also provide project development loans in addition to working capital loans.

4. Natural person guaranteed loans Natural person guarantees can take the form of mortgage, rights pledge, or mortgage plus guarantee.

Properties that can be used as mortgage include personal properties, land use rights, transportation vehicles, etc.

Personal property that can be pledged includes savings certificates, certificated treasury bonds and registered financial bonds.

Mortgage plus guarantee means that on the basis of property mortgage, the mortgagor's joint liability guarantee is added.

If the borrower fails to repay the entire loan principal and interest on time or other defaults occur, the bank will require the guarantor to perform its guarantee obligations.

5. Personal entrusted loans China Construction Bank, Minsheng Bank, CITIC Industrial Bank and other commercial banks have successively launched a new type of loan business - personal entrusted loans.

That is, a loan is entrusted by an individual to provide funds, and a commercial bank issues, supervises, uses and assists in the recovery of the loan based on the loan object, purpose, amount, term, interest rate, etc. determined by the client.

The basic procedure for handling personal entrusted loans is: the client submits a loan application to the bank.

The bank selects and matches according to the conditions and requirements of both parties, and recommends them to the entrusting party and the borrower respectively.

The client and the borrower meet directly to negotiate and make decisions on specific matters and details such as loan amount, interest rate, loan term, repayment method, etc.