1. Reverse loan is to borrow the new and repay the old, and to cross the bridge is to raise funds to repay the loan before applying for a loan.
2. The cost of reverse loan is lower than that of crossing the bridge.
Bridge-crossing enterprises:
The enterprise's loan in the bank has expired, but it can't be repaid on schedule for the time being. Guarantee companies help enterprises to pay off their loans through the "bridge fund", provided that the lending bank promises to give new loans after paying off the old loans, that is, "replacing the old loans with the new ones" and repay the "bridge fund" immediately after the new loans are in place.
Transitional funds
It is a short-term financing with a term of six months, and it is a kind of fund connected with long-term funds. The purpose of providing bridge funds is to achieve the conditions of docking with long-term funds through the financing of bridge funds, and then replace bridge funds with long-term funds. Crossing the bridge is only a temporary state.
Description of enterprise cross-bridge loan business:
1. In the process of applying for a new loan, renewing a loan or increasing a loan from a bank, the borrower needs to repay the previous loan before obtaining a new loan;
2 by the guarantee company's own funds, to provide funds to bridge, mat endowment service;
3. Take the loan obtained by the borrower as the repayment source and guarantee;
4. In order to ensure the safe withdrawal of funds, the premise of borrowing is that the borrower's bank loan application has been approved;