"I have money, but it's all in goods... piled up in the warehouse, moving through logistics, waiting in orders..." This is the daily reality for FMCG distributors. Although FMCG products turn over quickly, it's common to see goods but not cash. To ensure stable agency relationships, maintain smooth channels, and accumulate more profits, distributors need to invest increasing amounts of capital for turnover and go to great lengths to ensure ample cash flow. Once funds become tight, they may lose profits at best, or at worst, undermine years of hard work. A stable, sustainable method—or channel—for supplementary working capital is rare and hard to come by.
Business loans are one such method. However, in recent years, a plethora of loan products have emerged, making it difficult to distinguish between them, and choosing incorrectly could lead to fraud. Various lending institutions are a mixed bag, with differing capital strength, product capabilities, and post-loan service quality.
There is one institution that stands out as a breath of fresh air among lenders. It holds a legitimate national online micro-loan license; has a strong background providing ample equity capital; its credit product system, developed and refined quietly, rivals that of internet finance giants; it values commitments, is pragmatic, never uses sweet talk, and does not attract customers with inflated credit limits; it strictly adheres to national laws and regulations, being an industry pioneer in customer privacy protection, legal interest rates, and full disclosure of loan information; it has always adopted a low-key marketing approach, never exaggerating product claims, and never harassing customers with constant sales pitches.
This is Chongqing Xiaoyudian, a micro-loan company that is as steady, quiet, technically proficient, continuously learning, and self-disciplined as an IT guy. It is dedicated to providing stable, mature, user-friendly, and inclusive credit products to millions of small and medium-sized enterprises.
To offer FMCG distributors a stable and continuous order loan product to supplement cash flow, Chongqing Xiaoyudian spent a year refining it and finally launched it.
This "Yushang Loan - Order Loan" product allows distributors to apply and use funds when placing orders. The credit limit can reach up to 2 million yuan. After approval, the available amount can be withdrawn in one lump sum or in multiple installments within the validity period. Each withdrawal is a one-click operation without additional procedures. After approval, customers receive a credit limit. If they use funds multiple times, the available limit is restored after repayment—repaying principal restores the limit proportionally, and as long as there is remaining limit, they can use it again, like a true revolving fund that moves with the business. With 7*24-hour self-service withdrawals, automatic approval, automatic disbursement, and real-time arrival, the efficiency of withdrawal and disbursement is at the "second" level because it is closely tied to ordering. In terms of term, options of 3, 6, 12 months, etc., are provided, and customers can choose freely; even if they regret the chosen term after disbursement, they can repay the full amount at any time, with interest calculated daily. No collateral is required; it is a pure credit loan. Only a business license, ID card, and facial recognition are needed—simple and easy to prepare. For application, customers complete everything from applying for the limit to using funds via the mobile app; customer service can provide online consultation and guidance to those who need help, so even those unfamiliar with mobile operations can easily complete the process.
It can be said that this product incorporates the advantages of countless similar products, tailored for FMCG distributors in many aspects. Interest rates are priced based on customer qualifications, perfectly fitting the role of a "cash flow supplement."
The application process is very simple and can be done in 5 steps:
1. Download the "Yushang Loan" APP, register an account, and select "Kuai Shang Loan"; 2. Submit application materials; 3. Wait for Xiaoyudian's review; 4. After credit approval, submit a loan application; 5. Automatic review and disbursement. Note: The above introduction is for reference only; the specific terms are subject to the product introduction and approval of Chongqing Xiaoyudian Micro-loan Co., Ltd.
Such a sincere lending institution and such a thoughtful loan product are worth learning about as a backup even if you don't need them now. Moreover, they won't over-market or harass customers, so you don't have to worry about being pestered after consultation.
Online Customer Service: For product inquiries, APP downloads, or application assistance, feel free to add WeChat: @Xiaoyudian Customer Service.
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