在深圳这座创新创业蓬勃发展的城市，许多创业者与企业在快速发展阶段，常会面临短期资金周转、债 务压力或资产盘活等挑战。如何高效、合规地获得融资支持，成为不少经营者关注的焦点。今天，我们 以第三方观察的视角，为大家介绍一家在本地备受关注的助贷服务平台——深圳荣德源金服，看看专业 机构是如何通过资源整合与规划服务，帮助客户实现从容融资的。 一、专业定位：不做资金方，只做"融资规划师" 3. 安居房换证垫资 针对深圳部分安居房补缴价款换红本的需求，该平台可提供短期垫资服务，帮助业主快速完成换证流 程。例如，业主王女士因补缴资金不足，通过该平台垫资50万元，3个工作日内完成换证，随后立即办 理银行抵押贷款，用低息贷款归还垫资，从而实现了资产的快速盘活。 与常见的"债务协商"不同，债务优化重点是通过合法置换来逐步修复信用，而非直接减免债务。例如， 客户李女士此前因生意周转共欠下80万元各类高息贷款，月还款额超2万元且征信查询记录多，濒临逾 期。经深圳荣德源金服规划，为其匹配了某银行的抵押经营贷产品，用其名下房产作为抵押，将80万元 分散负债一次性结清，转为单笔10年期、年化利率4.5%的贷款，月还款额降至约8300元，降 ...

Core Insights - The article discusses different financing paths for individuals based on their identity, specifically focusing on employees and individual business owners [1][3]. Group 1: Employees - Employees are viewed as low-risk by financial institutions due to their stable and predictable cash flow [4]. - The core recommendation for employees is to maximize their credit value and avoid using collateral-based loans unnecessarily [5]. - The best financing tools for employees include salary statements and public housing fund contributions, with credit loans being the preferred option for their low interest rates and no collateral requirement [8]. Group 2: Individual Business Owners - Individual business owners often have fluctuating incomes but possess tangible assets such as real estate, vehicles, and inventory, which can be leveraged for financing [5]. - The primary recommendation for individual business owners is to convert fixed assets into liquid funds to support business growth [6]. - The best financing tools for individual business owners include real estate, vehicles, and business licenses, with mortgage loans being the main method for obtaining large amounts of low-cost funds [8].

Core Viewpoint - Companies often overlook the importance of financing planning, leading to potential cash flow issues and missed opportunities for growth [3][15]. Group 1: Financing Challenges - Many business owners mistakenly believe that financing planning is unnecessary when cash flow appears stable [3]. - A precision electromagnetic valve company, despite having strong qualifications and significant tax contributions, faced difficulties securing loans due to past overdue payments [3][5]. - The company had a total loan amount of 3,269.98 million, with short-term borrowings of 2,769.98 million, which could have been significantly higher if not for previous loan issues [4]. Group 2: Impact of Loan Defaults - Two months of overdue payments resulted in a downgrade of the company's loan classification, severely limiting its borrowing capacity [6][5]. - The classification of loans affects approval rates, with "attention" status leading to a 30% decrease in loan approval chances [6]. Group 3: Importance of Financial Planning - Companies should not wait until cash flow issues arise to consider financing; proactive financial planning is essential [8][17]. - Over 60% of small business owners seek bank financing only when they encounter difficulties, often resulting in expensive short-term loans [14]. - The lack of financial and financing planning can lead to missed opportunities, as many government funds for specialized enterprises remain unutilized due to poor alignment with financing conditions [14][15]. Group 4: Strategic Recommendations - Financing planning should be integrated into the company's overall strategic design, similar to product and business planning [17]. - Companies must recognize and mitigate various risks, including policy, market, and cash flow risks, through effective planning [18][19].