Applying for a loan through "We-Enterprise E-Time Loan" and agreeing to transfer to the SME Credit Insurance Fund can enjoy a better loan amount and interest rate. The credit insurance fund is a public welfare consortium legal person established by joint donations from the government and financial institutions. Its main purpose is to provide credit guarantees for cultivating small and medium-sized enterprises with development potential but lack of collateral, so as to share the loan risks of financial institutions and make banks willing to lend to those who lack collateral.
SMEs. "Micro-enterprise e-time loan" is based on the AI enterprise cash flow model and intelligent computing technology to meet the needs of new micro-business owners who are not good at dealing with banks. The online platform is used photo retouching to try to calculate the loan amount and simplify the loan application process. Compared with ordinary bank loans, "We-Enterprise e-Shidai" has no business hours restrictions, and online loan applications can be completed 24 hours a day through mobile phones. Not only is the procedure simple, but it also allows micro-business owners who are often out of work to be free from time and location restrictions.
And in order to support new and young start-ups, "We-Enterprise e-Shidai" not only does not have the threshold for the establishment of loan companies, as long as the total financing amount of all banks is less than 500,000 yuan, and the small and medium-sized enterprises that have obtained 9.5% of the credit guarantee rate, the loan application process Easier and faster. At the same time, the original service object has been greatly expanded. In addition to company organizations, bank number organizations such as sole proprietorships and partnerships can also apply for loans.