Up to five million yuan

Collateral and mortgage is not required

Working capital loan, bank acceptance bills, accounts overdraft of legal person

One year the longest; three years the longest for revolving loans

• Pay interests on a monthly basis and a one-time payment of principal on
due date

• Equal monthly or quarterly repayment

• Deferred repayment

• Average capital plus interest monthly

• Average principal plus interest generated by outstanding balance  monthly

1.Holding legal business license

2.Have a stable cash flow, with the ability to repay principal and interests of loans on schedule.

3.Possessing of documentary evidences, namely, signed and valid supplying agreement with supermarkets, shopping malls and large-scale manufacturing enterprises, or accessing certificate in participating government procurement projects and co-operation certificates with the Health Insurance Center.

4.No bad credit record and malicious arrears and delinquent behavior.

5.Other conditions requested by the lender

1.Qualified annual inspection of business license;

2.Qualified annual examination of tax registration certificates;

3.Organization Code Certificate;

4.Possessing of documentary evidences, namely, signed and valid supplying agreement with supermarkets, shopping malls and large-scale manufacturing enterprises, or accessing certificate in participating government procurement projects and co-operation certificates with the Health Insurance Center.

5.Proof of cash flow

6.Other documents by our bank