What is Juntuo Technology? Juntuo Technology Review, Features

Juntuo Technology (Shenzhen Qianhai Juntuo Technology Co., Ltd.) is a technology company focusing on serving e-commerce and financial institutions. Founded in 2015, it is headquartered in Shenzhen and has branches in Hangzhou, Guangzhou, Beijing, Xiamen, Foshan, Yiwu and other cities.

About Juntuo Technology

• At present, Juntuo Technology has a team of nearly 200 people, of which more than 80% are product technicians. It has strong strength and competitive advantages in product planning and development, big data modeling and application, millisecond-level precision anti-fraud risk control, system maintenance, etc. It owns online loan platforms, data-based credit solutions "Yunjing" risk control system, and connects excellent assets for financial institutions. It not only provides low-cost, low-threshold, high-flexibility, and fast-disbursement unsecured credit loan services for e-commerce companies that are developing and expanding their business scale and have funding needs, but also provides financial technology solutions such as supply chain finance and consumer finance for financial institutions.

• In the future, Juntuo Technology will adhere to the mission of "making finance simpler with technology" and build a data-based e-commerce supply chain co-prosperity ecosystem that integrates big data modeling, artificial intelligence, risk control engines, business diversion, and credit data models. It is committed to becoming a first-class e-commerce loan assistance tool and growing together with e-commerce.

Financing Products

1. E-commerce loan

(1) Overview: Unsecured pure credit, solving e-commerce customers' short-term capital turnover problems.

(2) Application conditions: The third-party e-commerce platform has been in operation for one year; the applicant has no bad credit record; and the average monthly sales in the past year is ≥ 100,000.

(3) Application process:

2. Advance payment for procurement

(1) Overview: Pure credit without collateral, solving the problem of funding for e-commerce customers’ purchases and stocking up.

(2) Application conditions: The third-party e-commerce platform has been in operation for one year; the applicant has no bad credit record; and the average monthly sales in the past year is ≥ 100,000.

(3) Application process:

3. Brand distribution

(1) Overview: Brand distribution is to provide financing services to brand distributors to solve the financing difficulties they encounter in the normal operation of the business.

(2) Services: Help customers provide value-added services, connect with high-quality funds, expand business scale, and solve the problem of difficulty in collecting payments.

(3) Application process:

Corporate Culture

• Company vision: To build a first-class financial technology group with international competitiveness.

• Company values: service, innovation, sharing and tolerance.

• Company mission: Make finance simpler with technology.

FAQ

Q: Who can become a borrower of Juntuo Technology?

A: 20 to 60 years old; citizens of mainland China with full civil capacity, including e-commerce sellers on Taobao, Tmall, JD.com (e-commerce loans), e-commerce sellers who urgently need to pay suppliers (advance payment for procurement), e-commerce sellers with backlog of receivables from third-party platforms (accounts receivable), and e-commerce sellers who need professional and efficient inventory and warehousing management solutions (warehousing and logistics); and have been in continuous operation for one year.

Q: Is there any limit on the loan amount?

A: Currently, the maximum loan amount you can get is 10 million. We will gradually increase the limit based on your repayment situation and store operation.

Q: What is the repayment method during the loan period?

A: The loan terms you can choose now are 30-90 days and 6 months; 30-90 days of borrowing and repayment at any time, interest first and principal later; 6 months installment.

Q: Does Juntuo Technology need mortgage or guarantee for loans?

A: No. All loans from Juntuo Technology are based on the borrower's credit rating and do not involve mortgages or guarantees from other people, thus eliminating the need for complicated procedures and disputes that may arise from collateral.

Q: What is the interest rate of Juntuo Technology’s products?

A: The risk control department determines it based on the different financing products and the borrower’s credit information.

Q: How long does the loan review take?

A: After all the information is submitted and passed the risk control review, the loan will be released in 5 minutes at most, and there will be a slight delay during peak periods.