What types of SME loans are there?
Divided into these different situations!
In modern society, there are many different forms of loans, among which personal loans and business loans are common categories. Business loans are divided into different types. Today we will introduce the types of small and medium-sized enterprise loans.
1. Tax loan applications are mainly based on the company's tax payment in the past two years, and the tax payment situation is an important review object.
Term: Generally 1-3 years; Amount: 500,000-3 million. Annual interest: The minimum annual rate is about 5%. General tax loan liabilities are included in the name of the company and can be applied for online.
2. Invoice loans are applied based on the company’s annual invoicing amount.
Term: 1-3 years; Quantity: 500,000-1 million; Annual interest: 10-20% annualized. General bill loan liabilities are included in the name of the individual (legal person and more than 10% shareholder). Invoicing computer data needs to be collected and can be operated remotely.
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3. Current loans provide loans based on the current business or individual bank balance.
Term: 1-3 years Quota: The loan limit of the account-opening bank is generally 100,000-20 million; the loan limit is generally 100,000-500,000; annual interest: If the company's account-opening bank has related business, the general interest rate is 7-12%, and the loan
Institutional interest rates are higher, with most monthly interest rates exceeding 1.5%.
4. Common online business loans 1. The Jingdong business loan limit is up to RMB 500,000. It supports same-day payment. The interest range is RMB 40,000 to RMB 60,000. There are any repayment methods such as equal principal and equal principal and interest, one-time repayment of principal and interest, etc.
To choose, it generally requires that the enterprise has been registered for more than one year and the registered capital meets the conditions. The legal person is between 18 and 65 years old.
2. Micro Industry Loan Micro Industry Loan is a pure credit loan specifically for small and micro enterprises. Taking into account the tax avoidance characteristics of enterprises, the loan application has no hard restrictions on the annual tax amount, the amount of corporate liabilities, and changes in legal persons/business locations.
What are the financing channels for SMEs?
Bank loans, stock financing, bond financing.
Three financing methods: Equity financing: Equity financing of securities companies mainly refers to the capital raised when a securities company is established or increases capital and shares, securities companies publicly issue stocks and go public, and securities companies use equity financing in the process of business operations.
Debt financing: Bond issuance financing is a financing method in which securities companies, as debtors, promise to creditors to repay principal and interest within a certain period of time in the future and issue securities.
Bill financing: Bill financing is the oldest financing method in the money market.
Commercial paper is a short-term promissory note with a specific maturity, sold only to institutional investors, and available in the market.
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.