Corporate loan platforms include Mo Long, Weizhong Bank and China Construction Bank. Mo Long is recommended. The company's unsecured loan is the fastest 1 day, and the apartment store can apply for a loan within 2 hours at the earliest.
Advantages of corporate loans:
1, the cost is low, and bank loans belong to a category with relatively low cost, not only the interest rate is low, but also the agency fee or handling fee is much lower. The most important thing is that it is safe and reliable, and it is basically not routine. Moreover, it is possible to obtain certain loan interest rate concessions when applying for corporate loans in banks.
2, the amount is high, there is usually no upper limit for applying for corporate loans in banks, and how many loans enterprises can get mainly depends on their strength. Therefore, as long as enterprises meet the loan conditions of banks, almost all the enterprise loan quotas they want to apply for can be met.
Enterprise loan platforms include the following:
1, Ping An Pratt & Whitney: The loan platform of China Ping An Collection is rich in loan products, mainly providing mortgage loans and credit loans, with a maximum loan of 300,000 yuan.
2. CreditEase Huimin: CreditEase's loan platform provides mortgage and credit loan services, and individuals can borrow up to 200,000 yuan.
3. Paipai Loan: Paipai Loan is a listed company that provides various loan services such as micro-loans and credit loans. The initial loan amount is 500,000-30,000 yuan, and then the maximum loan amount is 200,000 yuan.
4. Jiufu: Jiufu is an integrated service platform for Internet finance. It owns a variety of loan products such as Jiufu Wanka, Jiufu Chaoneng, Jiufu Chaoneng and Jiufu Dingdang. The maximum loan amount can reach hundreds of thousands.
What are the platforms for corporate loans in Guangzhou? Look at these models.
As the capital city of Guangdong, Guangzhou's economy has developed rapidly, and many enterprises have settled in. Whether it is production, operation or scale expansion, it usually relies on corporate loans to obtain financial support. There are many corporate loan platforms in Guangzhou. Let's take a look.
I. Banking platform
All major banks in Guangzhou Branch have commercial loans, and the product categories are relatively rich. Common ones are these:
1, Guangfa Bank: a local bank in Guangdong, an enterprise registered in Guangdong, which can lend money if it meets the requirements. Products include e-commerce loans, science and technology loans, political loans, rapid financing and so on.
2. Agricultural Bank: It can provide small loans, simple loans, technology loans, linked loans, silver ticket loans, smart loans and other types of loan products for small and medium-sized enterprises in Guangzhou. It is suggested that matching loan products should be selected according to the enterprise's own conditions.
3. Weizhong Bank: Weizhong Bank's well-known corporate loan is called Weizhong Industrial Loan, which is a credit loan granted according to the company's tax payment. Guangzhou can also develop its business, and business owners need to apply online through the official WeChat account of Weizhong Bank.
Second, the finance company.
1, Alipay: Online commercial loan to pay, which is a commercial loan product specially issued for Taobao stores. The maximum amount is 2 million yuan. The borrower is required to be over 18 years old, with good credit, a certain level of revenue and good operating conditions.
2.360 Finance: There is a pure credit loan product called 360 gold bars with a maximum amount of 200,000 yuan. Although it is not a special enterprise loan, business owners can apply in their personal capacity. The loan term is 1 year, and the daily interest rate of the loan is as low as that of Zhaolian Finance: there is a pure credit loan-Zhaolian good term loan with a maximum amount of 200,000. The application is relatively simple, and the age is between 23 and 23.
What are the platforms where business licenses can be loaned?
List the loan platforms with business licenses as follows:
1, money to spend. Users are required to meet the age requirement of 18-55, and the corresponding second-generation ID card and debit card must be submitted during the application process. It should be noted that the application only supports debit cards, and the application card is also the user's loan bank card, while the ID card cannot be a temporary, expired, first-generation ID card.
2. Fast loans for small and micro enterprises. Small and micro enterprises have fast credit loans, fast mortgage loans, fast pledge loans and fast platform loans. Different small and micro enterprise loan products have different loan amount, loan term and loan interest rate, and of course the corresponding handling conditions will be different. You can log on to China Construction Bank official website and click "Small and Micro Enterprises-Apply Now-Apply for Quick Loan" to view it.
3. Microfinance. Micro-credit is a capital loan service provided by Weizhong Bank for small and medium-sized enterprises. Generally speaking, taxpayer enterprises, small-scale taxpayer enterprises or individual industrial and commercial households can apply for loans. And the upper limit of the loan amount is 3 million, and the annualized interest rate may be as low as 3.6%, subject to the specific data after applying for the loan amount.
Extended data:
1. What materials do you need for a business license loan?
When applying for a loan with a business license, in addition to the business license, the borrower also needs to provide his own identity certificate, marriage certificate and address certificate. , but also must provide more than half a year of bank flow. The more complete the information, the more favorable it is to apply for a loan.
Second, the application process
1. The borrower shall fully prepare the above information and submit it to the lending institution;
2. Lending institutions shall review the materials and conduct pre-loan investigation on borrowers;
3. After investigation, both parties signed a loan agreement;
4. After the agreement is signed, the lending institution issues loans;
5. The borrower repays the loan according to the contract.
Second, the business license
Business license is a certificate issued by the administrative department for industry and commerce to industrial and commercial enterprises and individual operators to engage in certain production and business activities. Its format shall be uniformly stipulated by the State Administration for Industry and Commerce. The registered items include: name, address, person in charge, amount of funds, economic composition, business scope, business mode, number of employees, business period, etc. Business licenses are divided into originals and duplicates, which have the same legal effect. The original shall be placed in a prominent position in the company's domicile or business premises, and the business license shall not be forged, altered, leased, lent or transferred. Without a business license, industrial and commercial enterprises or individual operators are not allowed to start business, engrave official seals, sign contracts, register trademarks or advertise, and banks are not allowed to open accounts.