What kinds of commercial loans are there? Operating loan is a form of loan that enterprises raise funds from banks or lending institutions according to their own development needs to maintain production and operation needs. According to the loan amount of the loan enterprise, as well as the purpose and duration of the loan, the bank has formulated the corresponding loan types:
1, revolving loan for working capital
The lender and the borrower sign a loan contract at one time, and within the validity period stipulated in the contract, the borrower is allowed to withdraw money in installments, repay the loan one by one, and recycle the loan.
2. Zero compensation liquidity loan.
A working capital loan that customers can withdraw money in one lump sum and repay in installments.
3. Company account overdraft
According to the customer's application, the overdraft limit of the account is approved, and when the deposit in the settlement account is insufficient, it is allowed to overdraw directly within the approved overdraft limit to obtain credit funds.
4. Medium-term working capital loans
Refers to the working capital loans issued by commercial banks to borrowers with a term of one to three years (excluding one year and three years), which are mainly used for the normal production and operation of enterprises.
What are the types of corporate loans?
Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation.
Extended data
There are three main sources of loan financing for ordinary small and medium-sized enterprises:
1, bank
Features: complicated loan procedures, high credit threshold, limited use of funds, long approval period and low interest. Suitable for small and medium-sized enterprises with good credit, certain scale and long-term support.
Although many banks provide fast loan services, they still cannot meet the financing needs of ordinary small and medium-sized enterprises. For example, the fast loan service for small and medium-sized enterprises launched by Industrial and Commercial Bank of China and Bank of Beijing still stipulates the use scope of funds, and the loan time is still relatively long.
2. Pawnshop
Features: the loan procedure is simple, there is almost no threshold, the scope of fund use is unrestricted, the loan can be made on the same day at the earliest, and the loan method is flexible, but the interest is higher than the bank interest. Pawn mortgage loans mainly take physical objects as collateral, and pay attention to whether the pawned items are genuine. Suitable for ordinary small and medium-sized enterprises in the short term.
For example, the SME loan service launched by Huaxia Pawnshop and Minsheng Pawnshop can be released within 2-3 working days. It greatly facilitates the short and medium term of small and medium-sized enterprises.
3. Private lending
Features: In addition to the highest loan interest rate and relatively high risk, there is also a credit guarantee. Other features are basically the same as those of pawn shops. Such as remittance loan. The difference here is mainly because the first two financing methods are allowed by national laws, while many private loans are evaded by laws and need to be identified.