Commercial loan is one of the major business lines in the bank. It mainly includes subsidiary lines:
-- Business Term and Revolving loan, with purpose to finance working capital, acquisition of machinery & equipment, trade business, etc.
-- Business Line of Credit, with purpose to finance borrower’s working capital. Different from term loan, business line of credit is renewable.
-- Borrowing Base Financing, which is to provide advance against eligible accounts receivable or eligible inventory, with normal term 1 year or less and with acceptable leverage ratio.