Loan Inputs
Typical SME working capital loan size: ¥500k–¥10M
2026 SME benchmark: LPR + spread → ~3.45%–6% p.a.
Common tenors: 12/24/36/60 mos; Interest-Only usually 12–36 mos
0 = no early payoff; e.g. 18 = full settlement at month 18
Compare 4 Repayment Methods
Takeaway: Interest-Only has the lowest monthly payment for the first N months (pure interest) but requires a full principal bullet at maturity — so total interest is materially higher than amortizing methods. The true IRR approximately matches the nominal rate when fees = 0, but cashflow pressure spikes at the end.
Equal Principal costs the least total interest and suits firms with steady reserves; Equal Payment keeps the monthly outlay flat and is easier to budget & reconcile.
Equal Principal costs the least total interest and suits firms with steady reserves; Equal Payment keeps the monthly outlay flat and is easier to budget & reconcile.
查看 IRR 计算说明
IRR（内部收益率）是使所有现金流净现值=0 的折现率，反映真实年化成本。
• 等额本息：月供 = 本金 × (月利率 × (1+月利率)^期数) ÷ ((1+月利率)^期数 − 1)；
• 等额本金：每月还本金 = 本金 ÷ 期数；每月利息 = 剩余本金 × 月利率；
• 先息后本：每月仅还利息 = 本金 × 月利率；最后一月归还全部本金 + 当月利息；
• 随借随还：按实际占用天数计息；若中途全额提前还款，则最后一月还剩余本金 + 当期利息；
所有金额均以「分」为整数运算，避免浮点误差。
Monthly Repayment Schedule
| No. | Pmt | Principal | Interest | Remaining |
|---|
Showing latest / pivotal periods + last rows. Middle rows are collapsed.
Small Biz Loan Tips (2026)
Repayment method:
- Predictable payback (e.g. 1–3 years): prefer Equal Payment — flat monthly cost for easy cash planning.
- Tight cash flow upfront + large bullet receipt at maturity: consider Interest-Only, but plan ahead for principal repayment (seek no-principal renewal).
- Minimize total interest + stable monthly receipts: pick Equal Principal — lowest total interest of the four.
- Unpredictable receipts + need flexibility: pick a Flexible Line (daily interest, no early-payoff penalty) for maximum capital efficiency.
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❓ FAQ
What rates do SME business loans offer?
In 2026, bank secured business loans: ~3.2%–4.5% p.a. (discount below LPR); unsecured credit loans: 4.5%–8%; online/non-bank: 8%–18%. Government-supported high-tech / "Zhuan-Jing-Te-Xin" enterprises: subsidized 2%–3% after rebate.
What eligibility do I need?
Baseline: 1–2 years since business license; physical operating address; 6-month operating cashflow ≥ 2× monthly payment; clean personal & corporate credit. Secured products require collateral; unsecured credit products require tax rating A/B.
What tenors and repayment methods are standard?
Secured credit lines up to 20–30 years; most common Interest-Only structure 3–10 years with annual balloon refinance. Unsecured credit products 1–3 years, Equal Payment amortization. Many 2026 banks offer "no-principal renewal" to cut bridge-refinance costs.
Personal vs corporate business loan?
Personal: borrower is the owner / self-employed; hits personal credit; fast approval; limit ¥500k–¥5M. Corporate: borrower is the company; hits corporate credit; higher limit (¥10Ms+); full financials + tax filings required; slower process.
Can I use a business loan to pay off a residential mortgage?
Short-term it often lowers interest cost (business loan rates < mortgage rates), but risks: ① Business loans require compliant purpose docs; recycling into property breaches terms and can trigger full immediate drawdown. ② Interest-Only structures need a large principal bullet at maturity, concentrating cash-flow risk. ③ It may hurt future personal / corporate credit standing. Always use the product in-compliance.