Grow Your Business

Fuel Your Business Growth with Flexible Financing

Get business loans up to $500,000 with competitive rates starting from 9.5% p.a. Quick approval, flexible repayment, and dedicated business banking support for your entrepreneurial journey.

Funding Calculator Check Eligibility
Business Loan

Why Choose 华体会 Business Loans?

Tailored financial solutions designed to support your business growth and capital needs.

Rapid Fund Disbursement

Funds disbursed within 48-72 hours post-approval.

Unsecured

Unsecured loans up to ¥100,000 for established businesses.

Flexible Repayment

Choose daily, weekly, or monthly repayment schedules.

Competitive Interest Rates

Rates from 9.5% p.a., offering flexible repayment options.

Meeting the Financing Needs of All Business Sizes

Customized financing plans for businesses of all scales.

Established Corporations

Designed for established enterprises and large corporations.

  • 500,000 - 5,000,000
  • 8.5% - 10% Annualized
  • Collateral Requirements

Startups & Micro-Businesses

Ideal for new ventures and small enterprises.

  • Loan Amount: ¥10k - ¥100k
  • Interest Rate: 11% - 15% p.a.
  • Collateral: Not Required

Small to Medium Enterprises (SMEs)

Suited for growing businesses with operational maturity.

  • Loan Amount: ¥100k - ¥500k
  • Interest Rate: 9.5% - 12% p.a.
  • Collateral: Partial Requirement

Business Funding Calculator

Calculate how much funding your business can get

50,000 500,000 5,000,000
10,000 100,000 500,000

Your Funding Options

Maximum Eligible Funding

$0
Based on business profile
Monthly EMI $0
Processing Fee $0
Total Interest $0
Total Repayment $0

Eligibility based on 25% of annual revenue, business age, and type. Collateral may be required for higher amounts.

Types of Business Loans

Select the financing solution that best fits your business requirements.

As low as 9.5%

Working Capital Loans

Fund daily operations, manage cash flow gaps, and cover short-term expenditures.

  • Up to ¥100,000
  • Fast Funding
  • Flexible Repayment
Annual interest rate as low as 11.5%

Startup Business Loans

Launch or scale your startup with specialized financing options.

  • Up to ¥50,000
  • Detailed Business Plan Required
  • Professional Mentorship
As low as 9.5%

Commercial Real Estate Loans

Purchase, construct, or renovate commercial properties.

  • Up to 1,000,000
  • Long-Term Financing Available
  • Using Property as Collateral
Annual interest rate as low as 10.0%

Inventory Financing

Procure inventory, raw materials, or goods for your business.

  • Flexible Seasonal Financing
  • Using Inventory as Financing Collateral
  • Express Processing
Annual interest rate as low as 9.8%

Accounts Receivable Financing

Advance outstanding invoices to improve cash flow.

  • Up to 90% of Invoice Amount
  • For Reputable Businesses
  • Flexible Terms
As low as 10.5%

Equipment Financing

Acquire or lease machinery, vehicles, and other commercial equipment.

  • Up to 90% of Equipment Value
  • Using Equipment as Primary Collateral
  • Eligible Tax Credits

Business Loan Eligibility

Authoritative Information

650+

Profitability Metrics

2 Years Minimum Operating History

Minimum Revenue Threshold

¥50,000 Annual Revenue Minimum

Minimum Business Age

6 Months Minimum Term

*Unsecured loan term is 3 years
Eligibility by Business Type:
  • Sole Proprietorship
  • Partnership
  • Private Limited Company
  • LLC & Publicly Listed Companies

Startups may qualify with a strong business plan and founder investment.

Supported Devices

  • Business Registration Certificate
  • GST Registration Certificate
  • MOA & AOA (for companies)
  • Trade License/Shops Act Registration

  • PAN Card of Business & Partners
  • Address Proof of Business Premises
  • KYC Documents of Promoters/Partners
  • Photographs of Promoters/Partners

  • Audited Financials (last 2-3 years)
  • ITR of Business & Partners (last 2-3 years)
  • Bank Statements (last 6-12 months)
  • Projected Financial Statements

Business Loan Interest Rates

Competitive rates determined by business profile and loan type.

Match Category Annualized Interest Rate Range Service Fee Amount Term
Working Capital Solutions 9.5% - 12.5% Annual Interest Rate 1% - 2% 10,000 - 500,000 6 - 36 Months
Asset-Backed Lending 10.5% - 13.5% Annual Interest Rate 1.5% - 2% 90% of Equipment Value 12 - 60 Months
Venture Capital Funding 11.5% - 15% Annual Interest Rate 2% - 3% 5,000 - 50,000 12 - 36 Months
Stock and Supply Chain Finance 10% - 13% Annual Interest Rate 1% - 1.5% Up to 80% of Inventory Value 3 - 12 Months
Invoice Discounting & Factoring 9.8% - 12.8% Annual Interest Rate 1% - 1.5% 90% of Invoice Value 30 - 180 Days
Commercial Real Estate Financing 9.5% - 11.5% Annualized 1% - 2% 50,000 - 1,000,000 5 - 20 Years

Interest rates vary based on business credit score, financial health, collateral, and relationship with 华体会. Existing clients and financially sound businesses may qualify for lower rates.

Apply for Business Loan

Fuel your business growth with our flexible financing solutions

Our business banking specialist will contact you within 24 hours to discuss your funding needs

Business Loan FAQs

Frequently Asked Questions on Business Financing

We prefer a credit score of 650 or above for business loans. However, we consider businesses with scores between 600-650 on a case-by-case basis, especially if they have strong business financials, collateral, or are in specific industries. For startups, we focus more on the business plan and promoter profile.

For complete applications with all documents, we typically approve business loans within 3-5 working days. Working capital loans can be approved within 48 hours for eligible businesses. Disbursement happens within 24-48 hours after approval and documentation completion.

Yes, we allow prepayment of business loans. For floating rate loans, you can prepay after 6 months with a nominal charge of 1-2% on the outstanding amount. No prepayment charges apply after 12 months. For fixed rate loans, prepayment charges of 2-3% may apply if prepaid within the first 2-3 years.

Yes, we have specialized startup business loans. Startups need a strong business plan, promoter investment of at least 20-25%, and sometimes collateral or personal guarantees. We also consider factors like founder experience, market potential, and innovation. We offer mentorship along with financing for promising startups.

It depends on the loan amount and business profile. For loans up to $100,000, established businesses with good financials may qualify for unsecured loans. For higher amounts or startups, collateral (property, equipment, inventory, or guarantees) is typically required. We also offer collateral-free loans under government schemes for eligible businesses.

Yes, business loan interest is tax-deductible as a business expense under Section 37(1) of the Income Tax Act. The entire interest paid during the year can be deducted from your business income. Additionally, if the loan is used for business expansion, certain deductions may apply. We recommend consulting with your tax advisor for specific benefits.

Ready to Accelerate Your Business Growth?

Our commercial banking experts are ready to help you find the perfect financing solution for your business needs.

Business Hotline: +86 189 1382 9470 Contact Support