---
title: "\"Not enough cash flow? Transferring money among friends and family can meet the standard,\" the interest rate for business loans has fallen below 2.5%"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/266811844.md"
description: "Against the backdrop of weak mortgage loan demand and pressure on retail businesses, many banks are turning their attention to small and micro business owners who own properties and business licenses. The interest rates for operating loans continue to hit new lows, with most banks able to offer rates below 2.5%, and institutions like PAB and Zhuhai China Resources Bank even reaching historical lows of around 2.3%. Some bank staff have indicated that if a company's cash flow is insufficient, it can meet the requirements through transfers among friends and family. Some unscrupulous intermediaries use the lure of quick loan approvals to entice consumers into illegally obtaining operating loans and charging intermediary fees"
datetime: "2025-11-20T22:23:21.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/266811844.md)
  - [en](https://longbridge.com/en/news/266811844.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/266811844.md)
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/news/266811844.md) | [繁體中文](https://longbridge.com/zh-HK/news/266811844.md)


# "Not enough cash flow? Transferring money among friends and family can meet the standard," the interest rate for business loans has fallen below 2.5%

Against the backdrop of weak mortgage loan demand and pressure on retail businesses, many banks have turned their attention to small and micro business owners who own properties and business licenses. During the year-end performance sprint period, reporters found that the interest rates for business loans continued to hit new lows, with most banks able to offer rates below 2.5%, and Ping An Bank and Zhuhai China Resources Bank even reaching historical lows of around 2.3%. When inquiring about business loans as a customer, a bank staff member stated, "If the company's cash flow does not meet the loan requirements, it's fine; personal cash flow can be supplemented, and transferring funds among relatives and friends can meet the standards." Moreover, some unscrupulous intermediaries use the lure of quick loan approvals to entice consumers into illegally obtaining business loans and charge intermediary fees. (China Securities Journal)

### Related Stocks

- [PAB (000001.CN)](https://longbridge.com/en/quote/000001.CN.md)

## Related News & Research

- [Fitzroy Minerals Announces Closing Of First Tranche Of Non-Brokered Private Placement](https://longbridge.com/en/news/279079905.md)
- [Why a mortgage rate lock before the March Fed meeting makes sense](https://longbridge.com/en/news/279058022.md)
- [Man, 25, Says 'Successful' Girlfriend Saw Parents' Home and Assumed Dad 'Doesn't Make Much Money' Since It's Worth Less Than Her's](https://longbridge.com/en/news/278570864.md)
- [Mortgage Rates Post Highest Growth in 11 Months on U.S.-Iran War Risks](https://longbridge.com/en/news/278928670.md)
- [SpareBank 1 SMN Sets New Coupon Rate on MING128 PRO Bond](https://longbridge.com/en/news/278562363.md)