No money for listing? Find "Quoted Loan"

In addition to the more "traditional" equity pledge, many cooperative banks of the National Equities Exchange and Quotations System have also launched a series of multi-type services for listed companies at various stages and under various circumstances. .

Some companies are small, have insufficient cash assets, or have difficulty with turnover, especially some small and medium-sized innovative companies that want to be listed but cannot afford the millions of counseling fees from securities companies. Although local governments provide subsidies, However, having all the funds in place often requires a successful listing, and securities companies sometimes require companies to pay part of the funds first. At this time, companies will have difficulties: If the funds on the account are given to the securities companies, how will they turn over in the past few months? Don't worry, you can try to find a bank to apply for a "listed loan". The so-called listed loan means that the cooperative banks of the National Equities Exchange and Quotations System only provide a certain amount of working capital loans to small and medium-sized enterprises that plan to be listed on the New OTC Market and have signed a recommendation and listing coaching agreement with relevant recommendation institutions based on the amount of subsidies from the local government. Loan business used for various expenses during the listing process of the enterprise or for production and operation turnover. Banks currently offering this service include China Everbright Bank, Shanghai Pudong Development Bank (600,000) and China Guangfa Bank.

Development requires money? Many mortgage loans

For NEEQ companies, financing development should be the top priority, but where to get financing? Private placement? We have to face the careful selection of various investors. If the market is cold, no one may dare to invest. If the industry is not good, no one will dare to invest... In short, there are all kinds of difficulties. But if you are willing to change your mind and raise funds by mortgaging or pledging certain assets, then the options may be much broader.

If you are a high-tech company with a lot of intellectual property rights, then good, now intellectual property rights can also be pledged! Everbright Bank, Bank of Guiyang and Bank of Xi'an have launched intellectual property pledge loans. Enterprises can use their own intellectual property as pledge to apply for loans from banks. For example, Bank of Xi'an has launched such an intellectual property pledge loan: Enterprises (or their major shareholders) By pledging its legally owned and transferable patent rights, registered trademark exclusive rights, copyrights and other intellectual property rights to obtain bank loans, the pledge rate can reach up to 45% of the assessed value of the intellectual property.

If you are a company with a lot of accounts receivable, you can use your accounts receivable to pledge to obtain bank loans. Currently, banks such as Bank of Hangzhou and Bank of Xi'an have launched this innovative business. .

In addition, you can also obtain guaranteed insurance loans or guaranteed loans from banks through the guarantee or guarantee provided by insurance companies or guarantee companies. You can also obtain investment-linked loans from banks through the endorsement of existing investment institutions. ...In short, there are various kinds of loans that require mortgage, pledge or guarantee, and they are also the current mainstream.

Don’t want to pledge (pledge)? Find a "credit loan"

Of course, if you don't want to obtain funds through the burdensome method of mortgage, pledge or guarantee, you can also try a credit loan - unsecured, unpledged and unsecured. ! At present, many banks such as Hua Xia Bank (600015), Bank of Communications, Industrial Bank (601166), Qilu Bank and Hangzhou Bank have launched credit loans.

For example, Hua Xia Bank has launched a special financing product - credit loan, which requires no mortgage or guarantee, with the mission of building a "financial service provider for small and medium-sized enterprises", specifically for asset-light high-tech enterprises. The credit limit of a working capital loan for a single household shall not exceed 20 million yuan, and the credit period shall not exceed 1 year.

Is the big shot short of money? Find "Elite Loans"

What if you are the chairman, secretary and other senior executives or even core technical personnel of a New OTC company and want to borrow money to buy a house or a car? Is there any way? Of course, our New Third Board company Qilu Bank has launched a humanized elite loan: according to the personal consumption, business financing and other needs of the executives of the "New Third Board" companies that Qilu Bank has granted credit to and those to be listed, it will be matched according to the specific situation. amount. Corporate executives include: original shareholders, core employees and persons acting in concert.

After all, it is a bank that is deeply involved in the third board enterprise camp. It knows the actual needs of the third board big names and comes up with such a personalized product!

Tired of market making? Find "Market Making Credit"

If you are a market making transfer company and it is boring to be tired of market making, don't worry, market making is also beneficial, what should you do? Bank of Hangzhou has launched the market-making sincere credit: for market-making listed companies with outstanding main business, good growth potential, clear financial status, and low debt ratio, the credit limit generally does not exceed 20 million yuan. Please note that this is a credit loan! Isn’t it great?

In addition, for market-making transfer companies, the credit loan limit will be higher than that of ordinary companies. For example, the credit loan launched by Industrial Bank has a limit of RMB 8 million for listed companies, and a limit of RMB 10 million for market-making companies. Another example is the credit loan of Qilu Bank. The limit for ordinary companies is only RMB 3 million. If it is a market-making company, the credit loan limit is only RMB 3 million. There is a quota of 5 million. You see, market-making companies will still be treated differently.

Lack of money for mergers and acquisitions? Find a "Merger and Acquisition Loan"

Of course, if you are a company that plans to merge and acquire but you do not have sufficient funds, you do not plan to issue too many shares. After all, issuing equity can easily dilute the rights and interests of others. It's easy to lose control. Well, China Guangfa Bank, Qilu Bank and other banks have launched merger and acquisition loans.

The so-called M&A loan refers to the cash flow generated by the enterprise after the merger, the comprehensive income of the M&A party or other loans to meet the needs of the merging party or its subsidiaries for paying the price and expenses of the M&A transaction. Loans granted with legitimate income as the source of repayment. Loans granted with legitimate income as the source of repayment.

It’s like a heavenly rhythm. This is okay! In fact, the "Layered Opinion Draft" launched in November last year proposed to launch a pilot policy bonus for mergers and acquisitions loans at the innovation layer. Look, here it comes.

In addition to the products mentioned above, there are also many comprehensive and structural products, such as the "Small Loan Tong" business launched by China Merchants Bank, which covers listed loans, equity pledged loans, technology Full-process business products such as achievement transformation loans, technology subsidy loans, order loans, intellectual property loans, supply chain financing and listing loans.

Another example is the structured financing launched by Guangfa Bank: In order to achieve the purpose of adjusting customer capital structure, optimizing customer liability period, and reducing customer financing costs, Guangfa Bank uses two or more types of equity in a comprehensive manner. Financing instruments, debt financing instruments, financial derivatives and other standardized financial instruments and products, including but not limited to listed financing, private equity placement, trust financing, asset securitization, financial leasing, loans, bills, bonds (commercial paper), etc., The business of designing organic, comprehensive and complete independent financial products to provide financial services to enterprises.

In short, banks are providing more and more products and services to NEEQ companies. It depends on whether the companies will play with it.