Businesses企业
Industrial enterprises规模工业企业
Growth and working capital for established manufacturers with stable revenue and profit.为营收与利润稳定的规模制造企业提供发展及流动资金。
Alternative financing · Zibo, Shandong民间融资服务 · 山东淄博
Capital where banks cannot reach.银行之外的融资之道
Since 2005, Zibo Xinhong has provided secured lending, equity investment, and hybrid financing to businesses and individuals that fall outside traditional bank requirements — with a simpler process and funding in about a month. 自2005年以来，淄博新鸿为不符合传统银行贷款条件的企业和个人提供抵押贷款、股权投资及混合融资服务。流程简化，效率高，从申请到放款约一个月。
¥500M+约5亿元Total lending since 2005成立以来累计放款
8–12%Annual interest rate年化利率
¥0.3–50M30万–5000万Loan size per facility单笔贷款金额（元）
~1 month约1个月Application to funding申请至放款
About us关于我们
Help for those who need it.为有需要的客户提供帮助
Zibo Xinhong Real Estate Service Co., Ltd. was founded on 27 June 2005 in Zhangdian District, Zibo. Banks are central to China's economy, but their strict lending requirements leave many sound businesses and asset-holding individuals without access to capital. 淄博新鸿置业服务有限公司成立于2005年6月27日，位于淄博市张店区。银行是中国经济的重要支柱，但其严格的贷款条件使许多经营良好的企业和拥有资产的个人难以获得资金。
For more than twenty years, our team has filled that gap — with a streamlined process, fast decisions, and close knowledge of the local market. 二十余年来，我们致力于填补这一空白——流程简化、决策快速，并深谙本地市场。
27 June 20052005年6月27日Founded成立日期
Zhangdian, Zibo淄博张店Headquarters总部
1–3 years1–3年Typical loan term一般贷款期限
What we do业务类型
Three ways we structure capital三种融资方式
~60% of business约占业务60%
Secured lending抵押贷款
Loans secured by pledged assets — property, as well as bills, stocks, bonds, equity, and fund shares. Terms of one to three years at 8–12% annual interest. 以抵押资产作为担保的贷款，抵押物包括房产以及票据、股票、债券、股权、基金份额等。贷款期限一至三年，年化利率8%至12%。
~20% of business约占业务20%
Equity investment股权投资
Capital in exchange for company shares. We invest actively, taking part in management, or passively, providing capital while the founding team runs operations. 以资金换取公司股份。可主动投资，参与公司管理；亦可被动投资，仅提供资金，由原团队负责经营。
~20% of business约占业务20%
Hybrid financing混合融资
A tailored blend of equity and asset-backed lending. The proportion of shares to collateral is set by each borrower's situation and risk profile. 股权投资与资产抵押相结合，股权与抵押的比例根据借款人的具体情况和风险水平量身确定。
How financing works融资流程
From inquiry to repayment从咨询到还款
Step I第一步
Application提交申请
Borrowers explain why they need the loan, how the funds will be used, and when and how they will repay.借款人说明资金需求原因、资金用途，以及还款时间与方式。
Step II第二步
Due diligence尽职调查
We review credit history, existing loans, revenue, financial statements, career and legal records, and any government restrictions.审查信用记录、现有贷款、营业收入、财务报表、职业及法律记录，以及相关政府限制。
Step III第三步
Valuation & terms评估与定价
Collateral is appraised on location, size, and market value, with independent appraisers where needed. Loan-to-value is set case by case.根据位置、面积和市场价值评估抵押物，必要时聘请第三方评估机构。抵押比例视具体情况而定。
Step IV第四步
Monitoring投后管理
A detailed business plan, regular progress reviews, expenditure approval, and electronically monitored transactions protect every engagement.要求详细的商业计划，定期审查进展，审批各项支出，并对交易进行电子化监控。
Risk & control风险控制
Discipline is the product严谨是我们的根本
Every deal begins with the market and ends with verification.每一笔业务都从市场研究开始，以严格核实收尾。
- Industry trends, competition, and local market conditions studied before every commitment投资前深入研究行业趋势、竞争格局及本地市场状况
- Multi-source verification and trusted investigators to prevent fraud通过多方核实及可信赖的调查人员防范欺诈
- Property ownership independently researched and verified独立调查核实房产权属
- Dual-key electronic payment authorization prevents unauthorized transfers双U盾电子支付授权，杜绝未经授权的转账
- Client and personal information kept strictly confidential客户资料及个人信息严格保密
Work with us合作咨询
Financing that begins with a conversation融资，从一次沟通开始
Tell us why you need capital, how you will use it, and how you plan to repay. We will take it from there.请告诉我们您的资金需求、资金用途及还款计划，其余交给我们。
Contact our team联系我们