What are the common ways for small and micro enterprises to obtain small loans?

The financing difficulty of small and micro enterprises has always been an unresolved problem, but this does not mean that the financing channels of small and micro enterprises are very good, and many times it is only their own reasons. There are a large number of small and micro enterprises. Both banks and microfinance institutions have always invested heavily in the financial business of small and micro enterprises, and there are many types of loan products. Small and micro enterprises actually have a variety of financing methods. So, what are the common ways for small and micro enterprises to obtain microfinance?

POS machine loan refers to the loan method that banks obtain bank credit and bank lending by comprehensively analyzing the payment amount, cash flow and other transaction information of POS machine merchants. The remarkable characteristics of POS online loan business are: no mortgage, one-time processing and recycling; Interest is calculated on a daily basis, and you can borrow it for one day without charging interest; The cost is low, which saves the related expenses of collateral evaluation and mortgage procedures.

Chattel pledge: Small and micro business owners can obtain funds by using bonds, certificates of deposit, bank bills and other pledges.

Bill discount financing: Discounting bills accepted by banks is an important resource for short-term financing, and banks can pay money immediately after deducting discount interest from face value.

Large credit card: Many banks have large credit cards issued for corporate legal persons, which have the characteristics of high quota, low cost, revolving credit, loan-as-you-go, flexible charging and so on.

What conditions do enterprises need to meet when applying for small loans?

1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;

2. The enterprise has a good reputation in various commercial banks and has no bad credit record;

3. Having a business license approved and registered by the administrative department for industry and commerce and passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection;

4. It has the necessary organizational structure, management system and financial management system, has a fixed business place, operates legally, and the products have market and benefits;

5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;

6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;

8, in line with the establishment of small business related industry credit policy;

9. Abide by national financial regulations and policies and relevant bank regulations;

10. Open a basic settlement account or a general settlement account with the applicant bank.