What should I do if the turnover of business funds is insufficient (Chengdu just graduated, is there a loan company that can lend? )

What should I do if the enterprise's capital turnover is insufficient?

Chengdu just graduated. Is there a loan company that can borrow money?

Today, we will answer your questions.

Bian Xiao of this station replied:

I wish you an early victory. The loan company talks a lot, and the fish and dragons are mixed. I suggest you go to WeChat to search for the applet Lv Qing, where the staff are more professional.

You can choose to join the brand hotels under Dongcheng Group, and the third-party financial cooperation platform Dacheng Jin Fu provides financial services to solve the financial difficulties. After the epidemic, the hotel industry is depressed, and it is a common phenomenon that financing is difficult. I have a friend who runs a hotel, because the epidemic has a great impact on business and the turnover is difficult. Fortunately, after joining the hotel brand of Dongcheng Group, I got the financing service provided by Dacheng Jin Fu, and I really got the hotel financing, and I got through the difficulties. 1. What I fear most is that I can make money, and I don't do business with other people's money in time, especially when I encounter good projects. Obviously, I am optimistic about its prospects, but I have to give up because of lack of funds. That sounds a pity. So, if you can get a sum of money from the bank at this time, all the problems will be solved. Furthermore, even if the cash flow of operators is not tight, if they can borrow another sum of money for this project, then the originally prepared funds can be used to operate and invest in other projects, which can also be regarded as a "borrowing chickens and laying eggs" model, which is not killing two birds with one stone for enterprises. 2. Appropriate leverage is conducive to the development of enterprises. As we all know, the so-called leverage ratio refers to the ratio of liabilities to assets. Generally speaking, we think that appropriate leverage is beneficial to the development of enterprises. Because for enterprises, appropriate lending can make enterprises have more activity funds, and then quickly expand the scale of operation. However, it should be noted that this leverage ratio should generally not exceed 60%. What should we pay attention to when doing business with loans? 1, don't just stare at the big banks. In real life, people are always more inclined to believe the loan business launched by big banks without knowing the large and small loan products on the market. In fact, the lending products launched by both big banks and small banks are in compliance with relevant laws and regulations and are trustworthy. What's more, many small banks often offer more relaxed products in order to attract customers. For customers, it is enough to carefully screen the interest rate and applicable conditions of products. 2. Don't trust loan advertisements. As we all know, both banks and other formal loan companies have certain thresholds, and not everyone can get approval as long as they apply for loans. As a result, some non-performing loan companies in the market will take the opportunity to make small advertisements, such as "ultra-low threshold loans" and "unsecured loans without credit information". It is very reliable if the lender wants to apply for a loan through the wallet. 1. If you are defrauded by the online lending platform, you must call the police. It is useful to call the police. We must believe in the ability of the people's police. After the user calls the police, the network police will investigate according to the relevant evidence. After solving the case, the funds cheated by the user can be recovered, but if the user does not call the police, it is impossible to recover the cheated funds by himself. After the occurrence of loan fraud cases, we must keep relevant evidence and report the case in time, and safeguard our legitimate rights and interests by legal means. 2. When you encounter network telecom fraud, you must calm down first, don't worry, and manage your own ideas. You must report to the anti-electronic fraud center of the local public security bureau first. If it takes time for bank card transfer or fraudster transfer, the police can immediately pay the fraudster's bank card and freeze it. Fraudsters can only use bank traffic, so the money you cheated is still frozen on the card and cannot be transferred. Several common situations in which banks refuse loans: 1. Bad credit records lead to the failure of loan approval: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting. 2. Microfinance: With the development of the Internet and big data, many people around you have started to borrow money online. Some have capital turnover to do business, and some have loans to support loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay off the small loan in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. But according to experience, 95% banks will ask you to repay small loans when actually handling loans. After the mortgage is approved, you can apply for a small loan. Therefore, you must consult the relevant questions before buying a house, because there are many cases in which the small loan is unclear. . 3. Consumer loans: refers to some small loans, such as computer installment and mobile phone installment. No matter the amount, you must pay it off before you can apply for a mortgage, especially for single customers. 4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan. 5. Is there any low-rent housing or special welfare housing for a certain period of time? Before buying a house, make sure whether there is a low-rent house under your name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money. A friend often borrows money, but he always pays it back. Such friends can communicate. It may be that the other party does have difficulties and the conditions are not particularly good. Borrowing money from you is a person who trusts you, and giving you money shows that he has a good reputation. However, for the loan behavior between friends or colleagues, it is best to fix and preserve the evidence in the form of written IOUs, which can best safeguard the rights and interests of lenders in case of disputes. If there is no written loan, you should pay attention to collecting other evidence such as mobile phone text messages in time to safeguard your legitimate rights and interests. The specific precautions are as follows: to pay attention to the borrower's reputation and repayment ability, we must first look at the other party's fixed assets and economic income. And judge whether it has repayment ability; Second, it depends on each other's usual behavior and word of mouth. If the borrower has a "bad record" of "borrowing and not paying back", he must resolutely refuse. Don't borrow money blindly because you are embarrassed, listen to sweet words or accept small favors, otherwise you will eventually suffer big losses. When you have a loan contract or an iou to borrow money, don't take into account human feelings, relationships and other factors. Be sure to ask the borrower to write the contract or IOU clearly in person, indicating the borrower, loan amount, purpose, interest rate and repayment time, and sign it, with each party holding one copy and keeping it properly. If something goes wrong in the end, you will lose yourself and affect your relationship, so it is not worth the candle.