Everbright Bank increases support for technology-based small and micro enterprises; the scale of inclusive technology online products approaches 18 billion yuan.

“Business has been going well recently, and the factory needs to expand production. But the payments for our goods haven’t been fully collected yet, and the money for buying raw materials is on the verge of not being able to cover it. I’m truly so worried I can’t sleep!” The person in charge of a company in Hefei has been extremely anxious lately. This provincial-level “specialized, refined, distinctive, and innovative” and high-tech enterprise holds 29 patents, with products that are innovative and have a market. Yet it is stuck precisely at the hurdle of capital turnover.

After learning about the company’s difficulties, the Hefei branch of Everbright Bank proactively promoted the online product “Tech e-loan.” It enables end-to-end fully online operations. Business owners can apply online and draw funds online with a “single click,” and it also supports borrow-and-repay as needed. In just three working days, a working-capital loan of RMB 5 million was disbursed. This “timely rain” was delivered precisely to the most urgent segment—procurement of raw materials—helping the company upgrade and expand capacity.

Since 2025, Everbright Bank has firmly implemented the decisions and deployments of the CPC Central Committee, and conscientiously carried out policy requirements to increase credit support for technology-based enterprises and small and micro businesses. It has continued to strengthen financial support for national major strategies, key areas, and weak links. Based on the “Specialized, Refined, Distinctive, and Innovative Enterprise Loan” launched earlier, it has further optimized product functions, expanded the scope of enterprise support, and rolled out the online product “Tech e-loan.” This has achieved a “broad coverage” of technology-based enterprises within the “Six Lists,” and has effectively enhanced its service capability for technology-based small and micro enterprises.

Everbright Bank has also added a feature of loan rollover without repayment of principal to its online products such as “Specialized, Refined, Distinctive, and Innovative Enterprise Loan” and “Tech e-loan,” providing convenient rollover support for companies. A precision machining enterprise in Ningxia—a “little giant” company engaged in precision machining and assembly of large-scale high-end castings—has had good operating conditions for years, but faces significant pressure on capital turnover. After learning about the enterprise’s capital needs, the Yinchuan branch of Everbright Bank used the no-principal-repayment rollover feature of the online product “Specialized, Refined, Distinctive, and Innovative Enterprise Loan,” simplified the process, optimized services, and efficiently completed the approval and disbursement of a RMB 10 million rollover business. This effectively alleviated the enterprise’s pressure on capital turnover.

As of the end of December 2025, Everbright Bank’s online products “Specialized, Refined, Distinctive, and Innovative Enterprise Loan” and “Tech e-loan” had an outstanding loan balance of nearly RMB 18 billion, an increase of more than RMB 6 billion compared with the beginning of the year. In the future, Everbright Bank will continue to increase support for technology-based enterprises and small and micro businesses, further promote the application of inclusive online products, conscientiously carry out matchmaking and service docking for technology-based small and micro enterprises, and help ensure that the major articles on inclusive finance and technology finance are implemented in a practical and detailed way.

(Editor: Wang Lei)

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