Working Capital Loan

Working capital loan is issued to meet customers' short term financing demand during the process of production and operation, thus ensuring the normal running of production and operation activities.

• As an efficient and practical means of financing, working capital loan is one of the most popular credit products, characterized by the short loan term, simple procedures, stronger turnover, and lower financing costs.
• In terms of the term, it can be divided into short-term working capital loan less than one year and one to three-year medium-term working capital loan.
• In terms of the loan form, it can be divided into secured loan, which can be further divided into many forms such as guarantee, mortgage and pledge, and credit loan.
• By the using method, it can be divided into the short term working capital loan that is applied and reviewed case by case and the credit line of the working capital loan within which can be easily borrowed, used and repaid during the bank's preset time.

Subject to borrower credit, loan amount, term, guarantee methods and other factors, interest rate can be adjusted in accordance with the related loan rate policies of People's Bank of China and loan interest rate management regulations of Bank of China.

All charges are subjected to the agreement.

Legally registered enterprises or other economic organizations.

1. The applicant shall be a registered legal person or other economic organization with valid business license.
2. The borrower is subject to the credit rating of the bank, and reaches a certain level of requirements.
3. Borrowers should be with sound business management institutions, qualified leadership and strict business management system; with good business, financial and credit status, with the ability to repay the loan principal and interest on time.
4. With guarantees or mortgage (pledge) security provided by the security unit that is authorized by the bank.
5. The borrower shall have an account at Bank of China.
6. Be consistent with other relevant loan policies requirement of Bank of China.

1. Loan application.
2. Certificate of enterprise legal representative or power of attorney, board of directors resolution and the articles of association.
3. Valid enterprise corporate( legal person) business license (copy).
4. Borrower's audited financial statements of the latest tree years and latest financial statement.
5. Other documents and certificates required by Bank of China.

1. The applicant contacts the business development department of Bank of China (Thai) Public Company Limited, files the loan application and provides the above documents.
2. The Branch reviews the borrowers' application documents.
3. After approval, two parties sign the loan agreement and other related agreements (such as guarantee contracts, mortgage contracts and pledge contracts).
4. The borrower opens loan account in the Bank of China and withdraws the loan.