Decode bank credit logic
lift success to 80%+
Understand how banks assess credit and prepare your materials to lift financing success from 30% to 80%+.
Three things banks truly care about
Can you repay?
Cash flow and revenue — steady operating cash flow is the first gate.
Is it secured?
Assets and collateral define the safe boundary of the credit.
Will you abscond?
Credit history and background determine the risk pricing.
The bank's credit assessment model
Cash flow is lifeblood
Banks look first at 6–12 months of flow; ¥1M monthly maps to roughly ¥2–3M of credit.
Leverage is the red line
Total liabilities / total assets ≤ 70% is the safe line; above it you enter high-risk rating.
Credit is the passport
No overdue records or litigation for the legal person and the company is the baseline.
Assets give confidence
Property collateral can raise limits 50–100%; patent and trademark pledges are emerging tools.
The companies banks love most
The more boxes you tick, the higher your success rate.
A three-step financing method
Four financing channels compared
| Type | Range | Rate | Term |
|---|---|---|---|
| Bank credit loan | ¥0.5–3M | 3.5–5.5% | 1–3 yrs |
| Bank secured loan | ¥1–20M | 3.2–4.8% | 1–10 yrs |
| Tech-special loan | ¥0.5–5M | 2.8–4.2% | 1–3 yrs |
| Gov-guaranteed loan | ¥0.5–3M | 3.0–4.5% | 1–3 yrs |
Design your financing plan
Bank introductions, document prep, and end-to-end support.