개인/비지니스/누구나 융자 SMART FINANCE > 법률 및 비즈니스

Business Loan 종류

-         - Small Business Short-Term Loan

-         - Small Business Long-Term Loan

-         - Business Line of Credit

-         - Merchant Cash Advance

대상고객

1. 기존 주거래 은행으로부터 SBA Loan 또는 Business Loan을 거절 당하신 고객

2. 현재 이미 은행으로부터 Business Loan 혹은 Business Line of Credit을 받으신 상태에서 추가로 Business 운영자금이 필요하신 고객

3. 개인 신용점수가 낮아서 은행에 Loan 신청이 어려우신 고객

(Small Business Short-Term Loan: 무담보)

*자격조건:

- Business 6개월이상 운영

- Bank Statement에 월 $10,000 이상 Deposit

- 개인 Credit 점수: 550 이상

* 이자율: 월 1% ~3%(고객의 상황에 따라 달라짐)

* Loan 금액: $10,000 ~ $500,000

* 계약기간: Max 24 개월 

 (Small Business Long-Term Loan: 무담보)

*자격조건:

- Business 24개월 이상  운영

- 개인 Credit 점수: 680 이상

- No bankruptcies record(Personal & Business) / 지난 3 years

* 이자율: Min년 12%(고객의 상황에 따라 달라짐)

* Loan 금액: $25,000 ~ $500,000

* 계약기간: 1 year ~ 5 years

(Business Line of Credit: 무담보)

*자격조건:

- Business 24개월 이상  운영

- 개인 Credit 점수: 680 이상

- No bankruptcies record(Personal & Business) / 지난 3 years

* 이자율: Min년 12%(고객의 상황에 따라 달라짐)

* Loan 금액: $25,000 ~ $500,000

* 계약기간: 1year ~ 2 years

(Merchant Cash Advance: 무담보)

*자격조건:

- Business 6개월 이상  운영

- Credit Card Sales: 월 $10,000 이상 Deposit

- 개인 Credit 점수: 550 이상

*이자율: 월 1% ~3%(고객의 상황에 따라 달라짐)

* Loan 금액: $10,000 ~ $500,000