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SPDB | Cross-border Seller Lending
520 Express Loan. Takes only 5 minutes to apply, 2 minutes for approval, and 0 seconds to receive funds into your account
Cross-border Start-up Loan｜eBayCustomized credit loans for Chinese sellers provided by eBay, available for online application with basic criteria - About Us
- Partners
Supports nationwide sellers
Up to 1 million
Borrow and repay as you go
Allows joint-applications by multiple stores
Advantages of a Start-up Loan
Is it the product for you
Disbursement Time
can be same day payment
Apply Online
get your loan online with no offline operations
Store Credit Line
the credit line can be increased subject to your store data
Number of Stores Allowed
Joint-application made by multiple stores is supported
Product Rates
low financing cost and long repayment period
Repayment: Equal principal and interest repayment. Borrow and repay as you go. No early repayment fees are charged
Term: 3/6/12 months
How to Apply
If you have any questions about the application, please contact our online customer service team.
Contact Us
If you cannot find the lending tag, please click the button at the bottom of the page to contact our customer service to consult
Click the button at the right-hand side to consult
Q&A
Q&A
1
Are loans granted only for special purposes?
There is no requirement to provide your loan purpose. The loan will be directly deposited to your personal debit card.
2
Is there a penalty for early repayment?
No. You can repay at any time, and there is no penalty interest for paying it off early.
3
Are there any other fees associated with the loan?
No. The interest rate for the loan is your stated APR.
4
What if my loan limit is insufficient?
Please contact our client manager for consultation.
5
Is there any requirement for the length of time the store has been operating?
No, the amount of the loan will be determined based on your store's current status.
6
What application documents are required?
ID card, bank card, store authorization, and any other materials requested by lenders
7
Partner with us in other ways
If you seek partnership in forms other than those mentioned above, please reach us at 0755-22665684
Start-up Loan｜eBay
Customized credit loans for Chinese sellers provided by eBay
available for online application with basic criteria
Advantages of a Start-up Loan
Is it the product for you
Disbursement Time
can be same day payment
Apply Online
get your loan online with no offline operations
Store Credit Line
the credit line can be increased subject to your store data
Number of Stores Allowed
Joint-application made by multiple stores is supported
Product Rates
low financing cost and long repayment period
Joint-application made by multiple stores is supporte
Repayment: Equal principal and interest repayment. Borrow and repay as you go. No early repayment fees are charged
Term: 3/6/12 months
Product Rates
low financing cost and long repayment period
Application >
Click the lending tag at Amazon Seller Central to apply
Contact Us >
If you cannot find the Lending tag, please click the button at the bottom of the page
Q&A
Q&A
1
Are loans granted only for special purposes?
There is no requirement to provide your loan purpose. The loan will be directly deposited to your personal debit card.
2
Is there a penalty for early repayment?
No. You can repay at any time, and there is no penalty interest for paying it off early.
3
Are there any other fees associated with the loan?
No. The interest rate for the loan is your stated APR.
4
What if my loan limit is insufficient?
Please contact our client manager for consultation.
5
Is there any requirement for the length of time the store has been operating?
No; the amount of the loan will be determined based on your store's current status.
6
What application documents are required?
ID card, bank card, store authorization, and any other materials requested by lenders
Available area: China
Term: 6-12 months
Rate: 8.5% APR + 2.5% Guarantee Fee
Online application, offline approval
Repayment: 6 months equal principal and interest repayment / 12 months flexible repayment
Four Advantages of Express Loan
Is it the product for you
520 Express Loan
Takes only 5 minutes to apply, 2 minutes for approval, and 0 seconds to receive funds into your account.
One Million Limit
Loans available up to RMB 1 million, no collateral required
Apply online
with just a few clicks, get financing anytime, anywhere
No regional restrictions
loans accessible to all applicants in China
Product Rates
low financing cost and long repayment period
10% - 13% annualized cost of funding
Interest first repayment for the first 6 months, equal principal and interest for the following 6 months
12-month repayment term
How to Apply
If you have any questions about the application, please contact our online customer service team.
Contact Us
If you cannot find the lending tag, please click the button at the bottom of the page to contact our customer service to consult
Click the button at the right-hand side to consult
Q&A
Q&A
1
Is there any requirement for the number of years of operation for applicant companies or shops?
There is no requirement for a company's length of operation. Shops applying for loans should be in operation for at least one year.
2
What are the requirements for withdrawals?
You can withdraw funds in installments. You can withdraw up to RMB500,000 over a period of 7 days or take one lump sum of RMB500,000. The lending limit can be resumed upon the settlement of the principal
3
What are the criteria for the borrower and for the payment company?
If the receiver of the payment is an individual, the loan applicant should be the individual who is receiving the funds. If the receiver of the payment is a corporation, the loan applicant should be its legal representative.
4
Which platforms are supported?
Currently, supported e-commerce platforms include Amazon in the United States and Germany. Other Amazon sites, eBay, and Shopee are coming soon.
5
What documents do I need to prepare my application for loan?
Borrower's ID card, business license, and Class I bank account in China
6
What should I do if I do not have an account with Shanghai Pudong Development Bank (SPDB)?
While applying, you may open a Class II account at SPDB online and transfer funds to your Class I account at another bank upon approval of your loan.
7
Repayment Procedure
You should transfer payments to the SPDB Class II account from the Class I account used for your application. SPDB transfers payments on the 15th of each month at 16:00. The current month's loan shall be repaid in the following month.
8
Who’s eligible to be the payment company for SPDB’s Seller Lending?
The SPDB Seller Lending currently supports WF, Lianlian Pay, Epay.163, Skyee, Lakala Payment, iPaylinks, PingPong. There are more payment companies coming soon.
SPDB | Seller Lending (Express)
520 Express Loan: 5 minutes application, 2 minutes review, 0 second disbursement
Four Advantages of Express Loan
Is it the product for you
520 Express Loan
Takes only 5 minutes to apply, 2 minutes for approval, and 0 seconds to receive funds into your account.
One Million Limit
Loans available up to RMB 1 million, no collateral required
Apply online
with just a few clicks, get financing anytime, anywhere
No regional restrictions
loans accessible to all applicants in China
Product Rates
low financing cost and long repayment period
10% - 13% annualized cost of funding
Interest first repayment for the first 6 months, equal principal and interest for the following 6 months
12-month repayment term
How to Apply
If you have any questions about the application, please contact our online customer service team.
Application >
Click the lending tag at Amazon Seller Central to apply
Contact Us >
If you cannot find the lending tag, please click the button at the bottom of the page to contact our customer service to consult
Q&A
Q&A
1
Is there any requirement for the number of years of operation for applicant companies or shops?
There is no requirement for a company's length of operation. Shops applying for loans should be in operation for at least one year.
2
What are the requirements for withdrawals?
You can withdraw funds in installments. You can withdraw up to RMB500,000 over a period of 7 days or take one lump sum of RMB500,000. The lending limit can be resumed upon the settlement of the principal
3
What are the criteria for the borrower and for the payment company?
If the receiver of the payment is an individual, the loan applicant should be the individual who is receiving the funds. If the receiver of the payment is a corporation, the loan applicant should be its legal representative.
4
Which platforms are supported?
Currently, supported e-commerce platforms include Amazon in the United States and Germany. Other Amazon sites, eBay, and Shopee are coming soon.
5
What documents do I need to prepare my application for loan?
Borrower's ID card, business license, and Class I bank account in China
6
What should I do if I do not have an account with Shanghai Pudong Development Bank (SPDB)?
While applying, you may open a Class II account at SPDB online and transfer funds to your Class I account at another bank upon approval of your loan.
7
What should I do if I do not have an account with Shanghai Pudong Development Bank (SPDB)?
You should transfer payments to the SPDB Class II account from the Class I account used for your application. SPDB transfers payments on the 15th of each month at 16:00. The current month's loan shall be repaid in the following month.
8
Who’s eligible to be the payment company for SPDB’s Seller Lending?
The SPDB Seller Lending currently supports WF, Lianlian Pay, Epay.163, Skyee, Lakala Payment, iPaylinks, PingPong. There are more payment companies coming soon.