Loan consultation telephone number: user name (respondent)
Business Specialist: Manager Lu
Shenzhen, Shenzhen, Shenzhen credit loans, Shenzhen personal loans, Shenzhen enterprise loans, Shenzhen auto loans.
Enterprise loan application conditions
(1) has full capacity for civil conduct and is under 50 years of age.
(2) proof of identity and business premises
(3) Proof of funds
(4) Settlement account
(5) loan guarantee
Enterprise loan application materials
(1) Valid ID card and household registration certificate, marital status certificate and personal income certificate.
(2) the relevant business license or business certificate
(3) Other materials required by the bank.
The amount, duration and interest rate of enterprise loans
(1) The maximum loan amount of an enterprise shall not exceed 70% of the total funds required by the borrower for normal production and business activities, purchase (installation or repair) of small equipment (machines and tools) and franchise chain operation;
(2) The term of enterprise loans is generally 2 years, and the longest is no more than 3 years, of which the longest term of working capital loans for production and operation is 1 year;
(3) Corporate loans shall be subject to the fixed-term loan interest rate announced by the People's Bank of China, and the interest rate may fluctuate within the prescribed range.
2. What are the financing methods for SMEs?
Financing difficulty has always been the bottleneck restricting the development of small and medium-sized enterprises. There are many reasons for this situation, one of which is that enterprises know little about financing tools or make poor use of them. Although there are few kinds of financing tools at present, especially small and medium-sized enterprises, there are still some new tools that can be used besides bank loans and listing.
Bank loan financing
Borrowing from banks is the most commonly used financing channel for enterprises, but banks have their own risk control principles, which are determined by the nature of their business. As far as banks are concerned, they are generally unwilling to take too much risk, because borrowing has no right to claim the profits obtained by enterprises, so they are unwilling to borrow from high-risk enterprises or projects, even if their expected profits are high. On the contrary, enterprises with strong strength and stable income or cash flow are welcomed by banks. Because of these characteristics, for small and medium-sized enterprises, compared with other financing methods, bank loans have the following main shortcomings: first, high requirements, many restrictive clauses and complicated procedures; Second, the loan period is relatively short, and there are fewer long-term loans; Third, the loan amount is relatively small, and it is difficult to solve all the funds needed for enterprise development through banks, especially for small and medium-sized enterprises in the start-up period and entrepreneurial period.
For small and medium-sized enterprises, it is a feasible means to obtain bank loans through credit guarantee. Credit guarantee is an intermediary service between banks and enterprises. Due to the intervention of guarantee, the risk of bank loan is dispersed and resolved, the security of bank assets is ensured, and the loan channels of enterprises become smooth.
Most credit guarantee institutions implement membership management, which belongs to public welfare, industry self-discipline and self-non-profit organizations. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. With the support of national policies and relevant departments, credit guarantee loans will become another effective financing method for SMEs.
Equity financing stock listing
Equity financing and stock listing provide investors with a complete input and exit mechanism. There are many options for listing equity financing stocks, which can be listed on the main board or in the SME board, and there are also many options for overseas listing. At present, many companies have made relatively successful attempts. For small and medium-sized enterprises, there have been many successful cases of obtaining venture capital through equity financing. Equity financing is a better channel in the early stage of enterprise entrepreneurship, or in the stage of product research and development, when the market is in urgent need of funds.
Issuing shares is a kind of capital financing, investors have the right to claim the profits of enterprises, but the investment funds can not be recovered, and investors bear greater risks, so the expected return required is higher than that of banks. From this perspective, the capital cost of stock financing is higher than that of bank loans. Specifically, the advantages of issuing stocks are: there is no maturity date for the funds raised, and there is no pressure to repay the capital; The amount of one-time financing is large; The restrictions on the use of funds are relatively loose; It is conducive to improving the visibility of enterprises and bringing good reputation to enterprises; It is conducive to helping enterprises to establish a standardized modern enterprise system.
For those high-tech enterprises with great potential but high risks, financing through issuing stocks is an effective way to accelerate the development of enterprises. However, the listing of stocks also has disadvantages: first, the listing requirements are high and the listing threshold is high, so it is difficult for most small and medium-sized enterprises to meet the listing conditions; Second, the listing time span is long and the competition is fierce, which can not meet the urgent financing needs of enterprises; Third, enterprises have to bear the high cost of information disclosure, and various information disclosure requirements may expose business secrets; Fourth, the listing financing of enterprises must be at the expense of transferring part of the equity, dispersing the control right of enterprises and transferring higher profits. From this perspective, the listing cost of enterprises is relatively high. If an enterprise wants to raise funds by listing and issuing stocks, it must meet the listing conditions. Choosing different listing places requires different conditions, but generally speaking, having a good development prospect is the key to successful financing.
Financial leasing
Financial leasing is a new financing method integrating credit, transaction and leasing, which is characterized by the separation of ownership and use right of the leased property. For the purpose of providing financing to the lessee, the lessor purchases the equipment according to the leased equipment and suppliers selected by the lessee, and the lessee obtains the long-term use right of the equipment at the expense of paying the rent by signing a financing lease contract with the lessor.
For the lessee, the financial leasing method is adopted to achieve the financing purpose through the way of melting things, thus alleviating the financial pressure of fixed investment. In addition, the traffic problem can also be solved by selling and leaseback.
The so-called leaseback means that the enterprise sells the existing fixed assets to the leasing company, and the leasing company continues to hand over the assets to the enterprise in the form of leaseback, so that the enterprise can obtain funds without affecting the normal production and operation.
Through the combination of financing and finance, financial leasing has the dual functions of finance and trade, and plays a very obvious role in improving the financing efficiency and promoting the technological progress of enterprises. Financial leasing includes direct purchase leasing, after-sale leaseback and leveraged leasing. In addition, there are many forms of leasing, such as the combination of leasing and compensation trade, the combination of leasing and processing and assembly, and the combination of leasing and underwriting.
The financial leasing business has opened up a new financing channel for the technological transformation of enterprises, and adopted a new form of combining financing with finance, which has improved the speed of introducing production equipment and technology, saved the use of funds and improved the utilization rate of funds. For many projects with low investment risk, stable cash flow and good return on investment, it is most suitable to raise funds through leasing companies to carry out project financing leasing, that is, to extract rent repayment according to the percentage of project income or cash flow until the total rent agreed by both parties or the lessor's rate of return is reached. In this way, the lessor actually bears a certain degree of project risk, which is a win-win investment and financing model for the lessee, lessor, equipment seller and investor (bank, institutional investment, trust investment, etc.). ).
Pawn financing
Pawn is a kind of financing method that takes physical objects as collateral and obtains temporary loans in the form of physical object ownership transfer. Pawning is a more appropriate means for enterprises in urgent need of liquidity.
Compared with bank loans, pawn loans need to pay higher comprehensive fees, including storage fees, insurance premiums, pawn transaction costs, etc., so the cost of pawn loans is higher and the scale of pawn loans is relatively small, but pawn loans have incomparable advantages over bank loans. First of all, it is convenient and quick, which can solve the financial needs of residents quickly and timely; Secondly, the product is flexible; Third, the term is short and the turnover is fast; Fourth, because it is pledge and mortgage in kind, it does not involve credit issues. These points are very suitable for the characteristics of capital demand of small and medium-sized enterprises.
Investment and financing research guidance, providing professional research guidance on project investment, project financing and other related aspects to help you analyze the reasons for the success or failure of enterprise and project financing, so that you can take fewer detours in financing and get financing funds smoothly.
Third, how should the factory finance?
Financing and development have always been the most difficult and common problem that puzzles private enterprises, especially small and medium-sized enterprises. Before the small and medium-sized private start-up enterprises mature, one of the major defects is their small capital strength, so they should focus on obtaining equity financing, and venture capital is the best supporter. If you want to be familiar with the characteristics and procedures of options, evaluation, equity arrangement, governance structure, investment and management of venture capital, you should never treat venture capital with the traditional financing concept. Whether venture capital funds favor emerging and high growth; Whether the position in the industry and market is honest and trustworthy, whether the dedicated people communicate, and the pursuit of personal wealth will be integrated into the continuous value-added of the enterprise, so that they will be rich; The industry background, assistance spirit and long-term motivation of the management team. China people are divided into true and false. At present, some enterprises are eager to use small and medium-sized private enterprises to raise funds. In the name of investment, the essence is to cheat the money of intermediaries such as evaluation. Finally, commercial banks use project evaluation as an excuse to launch new measures to solve the problem of "difficult loans and expensive financing" for small enterprises. So how can small enterprises make good use of the opportunity to raise funds smoothly? 1. Loan with loan and repayment allows loan circulation. At present, small enterprises with guaranteed business income can apply to the bank to sign a loan contract for the second time. Within the time limit and the maximum amount stipulated in the contract, they can borrow money at any time, repay it at any time and recycle it. This kind of loan has simple procedures. When borrowing money, you only need to fill in the receipt, and then you won't sign the loan contract one by one. There are similar loan products at present. Second, the matching combination of joint-guarantee loans This is a new type of loan recently launched by some joint-stock banks. It can provide better loans. By paying a certain deposit, borrowers form a joint guarantee group to help each other and provide each other with a certain amount of loans. This kind of loan does not need other mortgages and guarantees, and relies more on corporate bundling. City commercial banks, such as Bank of Shanghai and Agricultural Bank of Shanghai, are pioneers of this kind of loans and have been welcomed by industry associations. 3. Commercial bills drawn by business partners will be received at the time of settlement, among which bank acceptance bills and commercial acceptance bills will take some time to arrive, and many small enterprises will arrive at this time. In fact, acceptance bills can be discounted in banks, which is an important resource for short-term financing. This kind of business is that the payee or holder applies to the bank for discounting the commercial acceptance bill, and the bank will pay the money to the payee immediately after deducting the discount interest from the par value. Four. Movable property mortgage revitalizes the movable property mortgage loan business of small state-owned commercial enterprises in developed areas of joint-stock banks such as China Merchants, Minsheng and Guangfa. Chattel mortgage refers to the borrower's mortgage to the bank with his own or a third party's goods, raw materials, vehicles and equipment. It is also a simple financing method to obtain funds by using government bonds and certificates of deposit. As long as the goods approved by the bank are mortgaged, a certain amount of loans can be easily obtained. This loan mortgage model of "turning dead things into living money" is a bit of pawn, but its loan interest rate is much lower than that of pawn shops, which is suitable for the lack of ordinary mortgage resources and short term.