1. Debt financing: The most common is bank loans. But now the economic situation is bleak, and bank loans need full guarantee (mortgage, pledge and guarantee). For example, houses and cars are pledged to banks, and then shareholders can guarantee them. If the company can't make money, shareholders will pay them back.
2. Equity financing: Looking for investors to invest money in the company, the PE/VC that is often heard is the equity investor. Now everyone wants to go to the main board and the new third board, mainly for equity financing.
As far as I know, many companies give priority to debt financing. Of course, choosing what suits you is the most important thing.
Usually, there are five financing methods suitable for enterprises: equity financing, debt financing, bank loans, financial leasing and overseas financing.
Most enterprises adopt the first three financing methods, especially equity financing and bank loans. If you want to find something that suits you, it is recommended to choose equity financing. The advantages are: the threshold of required funds is low; Small financing risk; You can urge the company to improve its governance structure and management system, and you don't have to "pay back the money".
Among the financing platforms, Mingde Capital Ecosphere is more reliable. Not only do they make their own investments, but also have more than 2,400 cooperative fund resources, which are committed to helping small and medium-sized enterprises improve their business level and promote equity financing.
The information required for financing is as follows:
1, loan application. Company profile, loan reason, purpose, amount, term, guarantee method, repayment source, etc.
2. A copy of the original valid legal person registration certificate;
3. A copy of the qualification certificate and ID card of the legal representative. If authorized, a power of attorney and a copy of the licensee's ID card shall also be issued;
4. Annual financial reports for the first three years at the time of application, including balance sheet, income statement, cash flow statement and notes to accounting statements, as well as monthly financial statements for one month before application; And tax returns and VAT invoices;
5. Clients established in accordance with the Company Law of People's Republic of China (PRC) shall provide articles of association, continuous capital verification report, register of shareholders, resumes of key management personnel, etc.
6. A valid loan card;
7. Proof of loan use;
8 joint-stock enterprises shall provide resolutions of the shareholders' meeting or the board of directors;
9. The guarantee method is guarantee, and the above information of the guarantor is required;
10. If the guarantee method is mortgage, the list of collateral, the original property right certificate of collateral and the written certificate of the owner's consent to mortgage shall be provided.
Financing, in a narrow sense, is the act and process of raising funds for enterprises. Broadly speaking, financing is also called finance, that is, the financing of monetary funds and the behavior of the parties to raise or lend funds in the financial market in various ways.
legal ground
People's Republic of China (PRC) SME Promotion Law Article 14 The People's Bank of China shall comprehensively use monetary policy tools to encourage and guide financial institutions to increase credit support for small and micro enterprises and improve their financing environment.