There are more and more chain stores around us, and bank chain loan products have also appeared one after another. Various guarantee methods and flexible repayment methods can provide convenience for more small businesses.

In the city, we are always surrounded by various chain brands. In downtown areas, KFC and McDonald's can be found everywhere; underneath the office buildings are either Starbucks or COSTA; bakeries of various brands are also connected one after another, clustered in residential areas and business districts; laundromats such as Xiangwang and Fournet are always so convenient. There are also ubiquitous chain convenience stores and small supermarkets appearing near communities... These chain franchise stores seem to be indispensable in life.

The establishment of these brand chain stores is inseparable from financial support. More and more banks have focused on this demand and developed "chain loan" products.

Banks prefer low-risk loans.

There are naturally many reasons why many banks, especially joint-stock banks and city commercial banks, favor this type of enterprise. According to the analysis of Director Xiao of the Dingcheng Venture Capital SME Financing Research Center, first of all, the core competitiveness of banks lies in risk control. Therefore, the risk review for loan application companies is very strict. For chain companies, especially some more formal and large chain brands, the franchisee must obtain the registered trademarks, corporate logos, patents, and proprietary technologies owned by the franchisor. Before waiting for operating resources, they must go through the review and assessment of the franchisor and sign a contract with it. This is equivalent to a front-end review for the bank, which naturally has higher credibility than ordinary small and medium-sized enterprises.

Secondly, the franchisee must carry out operations under a unified business model in accordance with the requirements of the franchisor. It makes it systematic and organized in management, promotion, and quality control. Therefore, compared with other small and medium-sized enterprises that "work alone", the repayment ability of franchisees is more guaranteed.

Third, banks can implement various guarantee methods for chain enterprises. In addition to traditional real estate mortgages, they can also provide chain enterprise legal person guarantees, franchisee joint guarantees and other models, which improve the credit level of franchisees.

Supply chain financing is one type. For example: Mr. Qu, a Shenzhen citizen, cooperated with Shenzhen 5+1 convenience store. Dingcheng Venture Capital provided a loan to Mr. Qu, a 5+1 franchisee. The franchisee used this loan Take a loan to purchase 5+1 goods. Once the accounts payable to Mr. Qu are shown on the books, the loan from Dingcheng Venture Capital will be received soon.

The "joint guarantee" model is also a type, such as Dingcheng Venture Capital's "joint guarantee loan for merchants in the same industry": more than three merchants in the same industry all have loan needs, and the three parties have approved it after inspection, without any mortgage. Loans can be jointly guaranteed without any collateral. Dingcheng Venture Capital provides credit in a "headquarters-to-headquarters" model: 5+1 cooperates with Mr. Qu and first grants credit to the 5+1 headquarters and then to franchisees. At the same time, we also accept real estate mortgage loans and securities mortgages from franchisees.

Dingcheng Venture Capital Small and Medium Enterprise Financing Research Center pointed out that these chain enterprises that cooperate with banks usually have the same characteristics, such as having a complete and effective set of operational technical advantages, including unique business privileges and personnel training. , organizational structure, operation and management, product supply and marketing, etc. ensure the success of the franchisee, the mature chain network also has a good demonstration effect, providing sufficient reference for banks to conduct pre-loan investigations.

Let’s take a look at the “chain loan” product launched by Dingcheng Venture Capital Platform.

Dingcheng Venture Capital

"Chain Loan" is tailor-made by Dingcheng Venture Capital for franchisees of chain enterprises (which can be legal persons or individual industrial and commercial households) legal persons, shareholders and individuals. Customized personal business loan business, short and medium-term loans for working capital turnover or franchise fees or decoration funds. At the same time, it provides franchisees with comprehensive, multi-level comprehensive financial services integrating "loan financing, payment settlement, financial planning, and VIP services".

The maximum amount of the "Chain Loan" business loan is 5 million yuan, and the loan period is within the validity period of the "Franchise Agreement" signed by the franchisee and the chain enterprise. The guarantee method includes "1+N" types, including franchise The company provides models such as pledge of bank deposit certificates, treasury bonds and other rights certificates, real estate mortgages, legal person guarantees for chain enterprises, and joint guarantees for franchisees.

The biggest features of "Chain Loan" are its highly targeted products, flexible loan uses, long loan terms for decoration purposes (up to 3 years), and installment repayment, which reduces the pressure of one-time repayment.

At the same time, well-known chain enterprises in the country can sign a "headquarter-to-headquarters" chain loan financial business with the head office of China CITIC Bank. China CITIC Bank will provide personal operating loan support to its national franchisees and establish a strategic cooperative relationship.

Dingcheng Venture Capital's small business brand chain mortgage loan refers to the brand's core customers, and when its franchisees purchase necessary equipment and rent houses in the early stages of opening, the brand's core customers guarantee or the franchisees provide me The guarantee method approved by the bank provides franchisees (borrowers) with working capital loans for a certain period of time.

The credit period of the product is 1 year. According to the characteristics of the production and operation of small enterprises, the loan period can be determined, up to 5 years. As for the purpose and amount of the loan, Dingcheng Venture Capital pointed out that it should be the one-time investment required by the brand chain franchisee when purchasing necessary equipment, leasing houses, and decorating houses in the early stages of opening. The loan amount shall not exceed 50% of the above expenses, and Do not exceed the bank's small business authorization requirements.

It is understood that the product can be guaranteed by the core customers of the brand, or the franchisee can provide a guarantee recognized by our bank; if the actual controller of a small enterprise is an individual, the joint liability guarantee of the actual controller should be added.

Repayment is more flexible. If the loan term is within 1 year, interest will be paid monthly and repayment is planned; interest can also be paid monthly and the principal repaid in one go at maturity; the loan term is within 1 year. For the above, small enterprises must repay according to the plan (repay the principal monthly, quarterly or half a year, and pay interest monthly), and individual industrial and commercial households and small business owners must repay the principal in installments (equal principal payments monthly, quarterly or half a year). or equal principal and interest).

It is understood that in addition to helping franchisees, Dingcheng Venture Capital’s “Chain Loan” can also cooperate with chain companies or brand agency head offices to negotiate specific operating plans or models to help them expand into new markets. franchisees, quickly occupying the market.

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