[无本创业：解决融资贷款的5种方法.docVIP

无本创业：解决融资贷款的5种方法 寻求小额贷款 ????信用良好的小企业有很大机会从小额贷款机构获得少量资金——通常不超过5万美元，即使之前已经被传统银行拒绝。美国的Fox Valley Micro Loan Fund要求申请者递交一份银行的拒绝函，虽然也会考虑相关的信用纪录，但该基金不会设定很高的信用标准，它更关注影响信用度的具体情况。 ????运用自己的资产 ????银行调低贷款额度后，资产抵押类贷款向前迈出了一大步。比如在First Business Capital公司，可以用符合条件的应收款项进行抵押贷款。贷款机构可以先支付总额的85%，当你的顾客付款后再付清剩下的15%。为预付款支付的利息要比优惠利率高1。5到3个百分点，该公司的迈克尔克罗顿(Michael Colloton)说，“只有这样，我们才能为那些信用价值不是很高的公司提供贷款。” ????网络贷款 ????如果需要少量营运资金，可以尝试一下“个人对个人”(P2P)的贷款网络，在网上寻找合适的贷款人和借款人。尽管这仍属于新生事物，但美国SCORE机构亚特兰大分部的前主席兼顾问史蒂夫布罗姆(Steve Bloom)认为，“三、四年之内，P2P借贷服务将为小企业融资做出巨大贡献。” ????找大型银行 ????如果你的信用度和企业盈利能力都很好，可以找一家对企业贷款较宽松、而且没有陷入严重次贷问题的地方银行。 ????与供应商谈判 ????很多人都没有意识到供应商是很好的贷款资源，事实上，他们非常期望自己的客户企业能有良好发展，时常愿意调整付款方式来帮助客户克服困难。 For small loans Creditworthy small businesses have very big chance to get a small amount of money from microfinance institutions - usually no more than $50000, even before had been traditional Banks to refuse. Americas Fox Valley Micro Loan Fund request the applicant to submit a copy of the bank refused to letter, although also will consider relevant credit record, but the funds are not set very high credit standards, it pay more attention to affect the credit situation. To use their own assets 2380664.com After the bank cut lending, the asset-backed loans took a big step forward. Such as in the First Business Capital company, can be used in conformity with the conditions of the receivables on mortgages. 85% of the total amount of lending institutions to pay, when your customer payment after paying the remaining 15%. For the advance payment of interest is higher than the prime rate to 1. 5 to 3%, the companys Michael crow (Michael Colloton) said, only in this way, we can offer the credit value is not high company loans. Network loans If you need a small amount of working capital, can try the personal for individuals (P2P) network of loans on the Internet looking for the right lender and the borrower. Although it still belongs to new things, but the SCORE agency in Atlanta, the fo