Introduction: The financing bottleneck has been broken! Policy benefits are now targeting businesses struggling with high debt. In 2025, inclusive finance policies have taken a major step forward, with four major banks—China Construction Bank (CCB), Bank of China (BOC), Industrial Bank Co., Ltd., and CITIC Bank—forming a joint credit pool to introduce a "Light-Debt Review" corporate credit loan program. With loan amounts ranging from 700,000 to 9.2 million yuan and approvals as fast as 6 days, this initiative aims to eliminate funding obstacles for businesses. The policy window is closing soon!
1. Targeted Coverage: Priority for These Three Types of Businesses - Small and micro enterprises: Established for at least one year with annual invoicing of ≥500,000 yuan in wholesale, retail, manufacturing, and other real-economy sectors. - Light-asset innovative firms: Tech companies holding patents or "specialized and sophisticated" enterprises, requiring no collateral. - Stable merchants: Businesses in catering, e-commerce, etc., with six months of continuous corporate transactions and good credit records.
2. Four Game-Changing Advantages: Outperforming Traditional Loans - High debt tolerance: Breaks the "high debt equals rejection" cycle by focusing on core repayment capacity rather than historical debt details. - Flexible loan amounts: Starting at 700,000 yuan for daily operations, up to 9.2 million yuan for equipment upgrades or supply chain expansion. - Ultra-low interest rates: As low as 2.98% annually, 30% below market average, saving over 300,000 yuan in interest for large loans. - Lightning-fast approval: Blockchain-verified business data, online pre-approval + offline verification, with funds disbursed in as few as 6 days.
3. Real Cases: How Fast Can Funds Arrive? - A Guangzhou electronics factory, previously rejected by three banks due to expansion-related debt, secured 4.2 million yuan in 4 days via CITIC Bank’s "Quick Business Loan" at 3.15% interest, enabling early production line launch. - A Hangzhou e-commerce firm, preparing for peak season, obtained 2.8 million yuan in 6 days through CCB’s "Cloud Tax Loan," doubling inventory and boosting sales by 180%.
4. Application Requirements: Three Key Criteria - Business operational for ≥1 year, legal representative holding ≥5% equity, no severe credit delinquencies. - Minimum 5,000 yuan in taxes paid over the past 12 months, tax rating of M or above. - Corporate account with the respective bank, plus business license, legal ID, and six months of transaction records.
5. Pro Tips: Maximizing Loan Amounts & Speeding Up Approval - Product selection: Tech firms should opt for CCB’s "Intellectual Property Loan," leveraging patents for higher limits; exporters benefit from BOC’s "E-Enterprise Loan," using customs data. - Document prep: Organize the "four essentials" (license, transaction records, tax proof, legal credit report) and complete online pre-approval three days early. - Policy discounts: Tap local subsidies for top-tier firms, reducing actual costs by an additional 10%.
The policy window is closing—scan to upload business details for a pre-approval estimate in 10 minutes and secure low-cost funding now!