Corporate Borrower

l  Target customer: corporates and individual businesses;

l  Centering on the corporates’ actual operating conditions and cash flow, this product portfolio is designed to provide corporate borrowers with operating loan products to meet their financing needs for business operation, helping help small and medium-sized enterprises to grow.

Industrial Finance

By selecting the specific industry and based on the leading enterprise in the industry as the core business entity, provide the financial products and services for the suppliers and distributors in the upstream and downstream, to meet their financing needs in the underlying supply chain.

Internet Finance

Through the cooperation with industry portals, industry information matching and trading platforms or enterprise system software companies, achieve systemintegrating to gain customer information and build customer portraits based on the data provided by the partners, to provide corporate clients with Internet financial products featuring online application, approval and issuance.

Supplier Financing

Buyer Financing

Inventory Financing

Product description

Provide accounts receivable financing services

Provide order financing services

Gain access to funds through inventories in the warehouses

Line of credit

Up to RMB30 million, and no more than RMB9 million for a single amount

* Revolving loan is allowed within the line of credit

Up to RMB30 million, and no more than RMB9 million for a single amount

* Revolving loan is allowed within the line of credit

Up to RMB30 million, and no more than RMB9 million for a single amount

* The value of pledge is up to 60% subject to the type of goods

Loan period

Up to 3 months, borrowing and repayment at any time

Up to 3 months, borrowing and repayment at any time

3-6 months

Application requirements

The company shall maintain stable operation and meet the credit requirements.

The company shall maintain stable operation and meet the credit requirements.

Permitted industries and goods, and qualified third-party supervised warehouses

Approving period

Within 3 business days

Within 3 business days

Within 3-5 business days

Order Loan

Vendor Loan

Product description

Help solving the payment problem of downstream clients in the vertical e-commerce platform when placing orders, to meet their temporary demand for funds.

Help solving the problem of temporary capital shortage for quality vendors in the vertical e-commerce platform.

Line of credit

One-time creditextension, up to RMB1 million

One-time creditextension, up to RMB500,000

Loan period

12 months, no more than 3 months for a single amount

12 months, borrowing and repayment at any time

Application requirements

Based on the transaction data of downstream clients in the platform, extend the credit supported by the back-end risk control model.

Based on the vendors’ operating data provided by the platform, extend the credit supported by the scorecard model and rating system.

Approving period

Within 3 business days

Within 3 business days