Invoice loan is to collect data through the enterprise billing and tax control panel, and apply for enterprise credit loans with the billing amount as the access condition.
loan limit
The amount of tax loan and bill loan is similar, generally not higher than 3 million, and can be increased to 5 million with guarantee. Generally, the maximum amount of tax credit is 30 times of the tax amount, and the maximum amount of tax credit for tickets is 20% of the invoice amount of the enterprise in the past 12 months.
loan rate
Under normal circumstances, the interest rate of tax loans is lower than that of invoice loans, because the amount of tax paid can better reflect the operation and income ability of enterprises than invoicing. From the perspective of bank risk control, the real effectiveness of tax payment is much higher than the invoiced amount.
Credit status: personal credit or corporate credit.
Income status: Is there enough repayment ability?
Liabilities: The lender will review the liabilities of the borrower or enterprise.
Because the scale of enterprises is different, so are taxes and loans. Small-scale value-added tax 3%, general value-added tax 6%. In some industries, the tax points for different income growth are different. Some enterprises need to pay enterprise income tax only when they have no investment, so the "output invoice" can show the income status of the enterprise.