Patent fast loan
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Solve the problem of fund turnover for small and medium-sized enterprises
Tri ring patent fast loan is a new strategic innovative product launched by Tri ring United Commercial Bank. By analyzing the patent ownership, patent value, tax related information, credit status and other data of small, medium-sized and micro enterprises, we can find potential customers in batches and predict the credit line. We can finance through patent pledge, provide enterprises with low interest and fast financial services, and solve the problem of small, medium-sized and micro enterprises' loan difficulties.
In 2021, the financing scale of Scihead patent and trademark pledge exceeded 10 billion yuan, with a market share of over 50%
【Enterprise application conditions】
1、 Compliant with patent requirements: The enterprise has patent ownership and has been assessed and recognized as qualified by the Three Rings;
2、 Eligible for loan:
1. Good credit reporting,
2. Loans from other banks shall not exceed 5 million yuan, and there shall be no more than 2 other banks with balances (excluding China Construction Bank);
3. The age of the business owner is between 18 and 60 years old;
4. The enterprise has been paying taxes in good faith for more than 24 months, and has had at least one tax payment behavior in the past 3 months;
5. The tax rating for national and local taxes is A, B or above;
6. There is no information on tax violations or information on inspection cases.
3、 Successfully registered patent pledge: The patent as collateral has completed the patent pledge registration procedures through Scihead.
【Information provided by the enterprise】
1. Tax records for 24 consecutive months
2. Credit report of enterprises and legal persons
3. Invention or utility model patent certificates pledged by enterprises
【Application Steps】
Step 1: Scihead assessment of patent ownership and completion of patent screening;
Step 2: After the preliminary evaluation of the Scihead Road, transfer it to the bank for credit extension and approval;
Step 3: The customer authorizes and initiates loan applications through China Construction Bank for corporate and individual online banking, and the system automatically produces pre credit limits;
Step 4: Enter the required loan amount and loan term, submit for approval, and complete the signing;
Step 5: Enter the fast loan disbursement, enter the disbursement amount, click on disbursement, and the loan will automatically be transferred to the enterprise account;
Step 6: The bank and the enterprise sign a contract;
Step 7: Scihead will handle the registration of patent pledge and relevant discount procedures on behalf of Scihead.
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086-0769-22458926
086-0769-22458956
Service hotline
Fax: 086-0769-22496842
Email: ymzhang@scihead.com
Address: Room 703-708, Zhongsheng Business Building, No. 108, Hongfu Road, Nancheng District, Dongguan City, Guangdong Province, China
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