SME Loans Solutions

Based on its intelligent credit decision-making engine and sound cooperation with financial institutions, PINTEC has developed intelligent credit solutions for e-commerce, payment aggregator and corporate tax SaaS platforms to effectively address liquidity needs of their SME customers. Thanks to the system combining internet credit records and data driven decision-making, SME owners in catering services, e-commerce, 3C product distribution, agricultural products and manufacturing industries can have quick and efficient access to credit services.

Cooperation Cases


PINTEC works with UnionPay and Shouqianba, among other payment aggregators, to effectively serve offline retailers and address their liquidity needs.


“Micro Loan,” a customized installment product combining Micro-store’s user transaction data with PINTEC’s risk rules and algorithms, bridges the funding gap for Micro-store owners who have difficulty in applying for loans through traditional channels.

Tax Platforms

PINTEC works with corporate tax SaaS platforms such as, Yonyou, Aisino, Baiwang, E-Supporting, and to provide online credit decision-making service for SMEs based on VAT invoice data as well as internet credit records and data driven decision-making. The service is available in first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen, as well as more than 300 cities in 16 provinces and municipalities including Tianjin, Chongqing, Zhejiang, Jiangsu and Guangdong.