There are several types of corporate loans.

What loan types can enterprises apply for? Mainly these!

If an enterprise wants to operate and expand normally, it must have enough liquidity, otherwise it will be difficult to maintain normal operation. Loans from banks are a common way to raise funds. What types of loans can enterprises apply for? Mainly related to the enterprise's own situation, the following are more common types of loans to meet the needs of most enterprises. You can learn more about them.

1, guaranteed loan

At present, the common enterprise loan is that some small enterprises with loan needs unite to guarantee each other and apply for loans from banks in a unified way. Once one of the members is overdue, other enterprises will bear joint and several liability. Many small households in rural areas adopt this method, and there is no need to provide additional mortgage guarantee or turn to loan companies for help. The cost is relatively low, and the next payment is fast, but the risk is relatively high. It's best to know the ins and outs of this kind of loan first.

2. Credit loan

For example, the Wechat business loan of Weizhong Bank is a kind of enterprise credit loans that can be applied online. This kind of loan product is characterized by low threshold, fast payment, convenient handling and direct online application, which can quickly solve the capital problem of enterprises.

Enterprise credit loans does not need mortgage guarantee, mainly depending on the information and credit report of the legal representative. In addition, the business, income and credit reports of enterprises are also the key contents of bank audit.

3. Mortgage loan

As long as there are eligible collateral under the name of the enterprise, such as houses, shops and fixed assets. You can get a large loan in the form of mortgage loan, which is generally 80% of the asset value. This kind of loan has a relatively high pass rate and a relatively high amount.

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.