{"id":1164,"date":"2024-05-09T15:29:13","date_gmt":"2024-05-09T07:29:13","guid":{"rendered":"https:\/\/www.alphaloan.co\/blog\/?p=1164"},"modified":"2025-07-04T14:40:12","modified_gmt":"2025-07-04T06:40:12","slug":"start-shop-loan-plan","status":"publish","type":"post","link":"https:\/\/www.alphaloan.co\/blog\/1164\/start-shop-loan-plan\/","title":{"rendered":"\u958b\u5e97\u8cb8\u6b3e\u53ef\u4ee5\u55ce\uff1f5\u7a2e\u958b\u5e97\u8cb8\u6b3e\u65b9\u5f0f\u4ecb\u7d39.\u958b\u5e97\u5275\u696d\u4e0d\u662f\u5922"},"content":{"rendered":"\n

\u842c\u7269\u9f4a\u6f32\u3001\u5c31\u662f\u85aa\u6c34\u4e0d\u6f32\uff0c\u4e0a\u73ed\u4e0a\u5230\u5f88\u53ad\u4e16\u55ce\uff1f\u4e3b\u7ba1\u8001\u95c6\u4e0d\u53ef\u7406\u55bb\uff0c\u7532\u65b9\u9f9c\u6bdb\u53c8\u96e3\u641e\uff0c\u9084\u4e0d\u5982\u81ea\u5df1\u5275\u696d\uff0c\u5c31\u7b97\u7d2f\u4e86\u9ede\uff0c\u4e5f\u662f\u8cfa\u81ea\u5df1\u7684\uff0c\u4f46\u60f3\u8981\u958b\u5e97\u5275\u696d\u9700\u8981\u8cc7\u91d1\u5440\uff01\u5275\u696d\u8cc7\u91d1<\/a>\u6e96\u5099\u4e0d\u5920\u600e\u9ebc\u8fa6\uff1f\u958b\u5e97\u53ef\u4ee5\u8cb8\u6b3e\u55ce\uff1f\u5c0f\u984d\u5275\u696d\u8cb8\u6b3e\u7684\u65b9\u5f0f\u6709\u54ea\u4e9b\uff1f\u672c\u7bc7\u5c31\u4ecb\u7d39\u4e864\u7a2e\u5275\u696d\u958b\u5e97\u8cb8\u6b3e\u65b9\u5f0f+1\u7a2e\u958b\u5e97\u8001\u9ce5\u7684\u8cb8\u6b3e\u65b9\u5f0f\uff0c\u8b93\u4f60\u7684\u958b\u5e97\u5275\u696d\u4e0d\u518d\u53ea\u662f\u5922\u60f3\u3002<\/p>\n\n\n\n

\u9650\u6642\u512a\u60e0\u4f4e\u5229\u4fe1\u8cb8\u65b9\u6848\u63a8\u85a6<\/th><\/tr>
 <\/td>

<\/div>
\"\"<\/figure>

<\/p>

\u6e23\u6253\u9280\u884c\u512a\u60e0\u4fe1\u8cb8<\/p><\/div><\/td>

\"\"\u4e2d\u570b\u4fe1\u8a17\u901a\u8def\u9650\u5b9a<\/p><\/td>

\"\"<\/p>\u53f0\u5317\u5bcc\u90a6\u901a\u8def\u512a\u60e0<\/td><\/tr>

\n

\u512a\u60e0\u5229\u7387<\/p>\n<\/td>

\u9996\u671f0.01%\uff0c\u7b2c2\u671f\u8d772.8%\u8d77<\/p><\/td>

\u9996\u671f0.01%\uff0c\u7b2c2\u671f\u8d772.99%\u8d77<\/p><\/td>

\u9996\u671f0.01%\u3001\u7b2c\u4e8c\u671f\u8d772.80%\u8d77<\/p><\/td><\/tr>

\n

\u6700\u9ad8\u984d\u5ea6<\/p>\n<\/td>

600\u842c<\/p><\/td>

800\u842c<\/p><\/td>

800\u842c<\/p><\/td><\/tr>

\n

\u624b\u7e8c\u8cbb<\/p>\n<\/td>

\u901a\u8def\u9650\u5b9a 0 \u5143<\/p><\/td>

3,000\u5143\u8d77<\/p><\/td>

\u901a\u8def\u9650\u5b9a 0 \u5143<\/p><\/td><\/tr>

\n

APR<\/p>\n<\/td>

2.59%\u8d77<\/p><\/td>

3.30%\u8d77<\/p><\/td>

2.71%\u8d77<\/p><\/td><\/tr>

\n

\u63a8\u85a6\u539f\u56e0<\/p>\n<\/td>

\u9996\u671f\u512a\u60e0\u5e74\u5229\u73870.01%
\u9650\u6642\u512a\u60e0\u5e33\u7ba1\u8cbbNT$ 0
\u5047\u65e5\u4e5f\u53ef\u64a5\u6b3e\uff0c\u96a8\u6642\u96a8\u5730\u6eff\u8db3\u8cc7\u91d1\u9700\u6c42<\/p><\/td>

\u5e73\u5747\u904e\u4ef6\u6a5f\u6703\u9ad8
\u7dda\u4e0a\u7533\u8acb\u6700\u5feb3\u5206\u9418\u5b8c\u6210\u3001\u71df\u696d\u6642\u9593\u6700\u5feb1\u5c0f\u6642\u64a5\u6b3e
\u7b26\u5408\u689d\u4ef6\u514d\u81ea\u884c\u4e0a\u50b3\u8ca1\u529b\u8b49\u660e<\/p><\/td>

\u5168\u7a0b\u7dda\u4e0a\u7533\u8acb\u6700\u5feb3\u5206\u9418
\u4f7f\u7528\u8edf\u9ad4\u6191\u8b49\u514d\u81ea\u884c\u4e0a\u50b3\u8ca1\u529b\u8b49\u660e
\u6700\u5feb1\u5c0f\u6642\u6838\u8cb8 \u7dda\u4e0a\u7c3d\u7d04\u6700\u5feb10\u5206\u9418\u64a5\u6b3e<\/p><\/td><\/tr>

 <\/td>\u7acb\u5373\u7533\u8acb<\/a><\/td>\u7acb\u5373\u7533\u8acb<\/a><\/td>\u7acb\u5373\u7533\u8acb<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

\u958b\u5e97\u5275\u696d\u8981\u6e96\u5099\u591a\u5c11\u9322\uff1f<\/h2>\n\n\n\n

\u958b\u5e97\u5275\u696d\u7684\u6e96\u5099\u91d1\u5927\u81f4\u4e0a\u5206\u70ba3\u500b\u985e\u5225\uff1a<\/p>\n\n\n\n

    \n
  1. \u6e96\u5099\u91d1\uff1a\u521d\u671f\u5fc5\u8981\u7684\u4e00\u6b21\u6027\u652f\u51fa\uff0c\u5305\u542b\uff1a\u71df\u696d\u8a3b\u518a\u8cbb\u3001\u52a0\u76df\u91d1\u3001\u79df\u5e97\u9762\u62bc\u91d1\u3001\u88dd\u6f62\u8cbb\u3001\u8a2d\u5099\u5668\u6750\u8cbb\u7528\u3001\u4fee\u7e55\u8cbb\u7528….\u7b49\u3002<\/li>\n\n\n\n
  2. \u71df\u904b\u91d1\uff1a\u8b93\u5e97\u9762\u6b63\u5e38\u71df\u904b\u7684\u8cbb\u7528\uff0c\u5305\u542b\uff1a\u4eba\u4e8b\u8cbb\u7528\u3001\u5e97\u9762\u6bcf\u6708\u79df\u91d1\u3001\u6c34\u96fb\u3001\u539f\u7269\u6599\u9032\u8ca8\u6210\u672c\u3001\u5404\u5f0f\u8017\u6750……\u7b49\u3002<\/li>\n\n\n\n
  3. \u9031\u8f49\u91d1\uff1a\u56e0\u61c9\u7a81\u767c\u8cc7\u91d1\u7f3a\u53e3\u800c\u6e96\u5099\u7684\u8abf\u5ea6\u7528\u8cc7\u91d1\uff0c\u57fa\u672c\u4e0a\u6700\u5c11\u8981\u6e96\u50996~12\u500b\u6708\u7684\u9031\u8f49\u91d1\u8f03\u4f73\u3002<\/li>\n<\/ol>\n\n\n\n

    \u5be6\u969b\u4e0a\u958b\u5e97\u5275\u696d\u9700\u8981\u6e96\u5099\u7684\u8cbb\u7528\u5f9e\u5e7e\u5341\u842c\u5230\u4e0a\u767e\u842c\u90fd\u6709\u53ef\u80fd\uff0c\u5c31\u770b\u4f60\u60f3\u8981\u958b\u54ea\u4e00\u7a2e\u5e97\u9762\uff0c\u662f\u5496\u5561\u5ef3\u3001\u9910\u5ef3\u3001\u5c0f\u5403\u5e97\u3001\u65e9\u9910\u5e97\u3001\u98f2\u6599\u5e97\u9084\u662f\u5c0f\u9910\u8eca\uff0c\u6216\u662f\u624b\u5de5\u85dd\u54c1\u5e97\u3001\u7368\u7acb\u66f8\u5e97\u3001\u670d\u98fe\u5e97……\u7b49\u7b49\uff0c\u7a2e\u985e\u4e0d\u540c\u6240\u9700\u7684\u5dee\u7570\u6703\u975e\u5e38\u5927\uff0c\u4f46\u4e0d\u5916\u4e4e\u4ee5\u4e0a3\u7a2e\u985e\u5225\uff0c\u6e96\u5099\u91d1\u3001\u71df\u904b\u91d1\u3001\u5468\u8f49\u91d1\u3002<\/p>\n\n\n\n

    \u958b\u5e97\u5275\u696d\u521d\u671f\u8cc7\u91d1\u4f86\u6e90\u5927\u81f4\u67093\u7a2e\uff1a\u80a1\u6771\u6295\u8cc7\u3001\u8cb8\u6b3e\u53ca\u653f\u5e9c\u88dc\u52a9\u3002\u653f\u5e9c\u88dc\u52a9\u53ef\u53c3\u8003\uff1a\u81fa\u5317\u5e02\u7522\u696d\u767c\u5c55\u734e\u52f5\u88dc\u52a9<\/a>\u3001\u7d93\u6fdf\u90e8\u5c0f\u578b\u4f01\u696d\u5275\u65b0\u7814\u767c\u8a08\u756b(SBIR)<\/a>\uff0c\u6216\u662f\u6d3d\u8a62\u5404\u5730\u5340\u5de5\u5546\u7b56\u9032\u6703\u3002\u8cb8\u6b3e\u5247\u53ef\u4ee5\u53c3\u8003\u4ee5\u4e0b3\u5927\u985e\u51715\u7a2e\u8cb8\u6b3e\u65b9\u5f0f\u3002<\/p>\n\n\n\n

    \u5ef6\u4f38\u95b1\u8b80\uff1a\u638c\u63e19\u5927\u958b\u5e97\u6e96\u5099\u4e8b\u9805.\u907f\u958b\u5e38\u898b3\u5927\u958b\u5e97\u5730\u96f7\uff01\u958b\u5e97\u5275\u696d\u61f6\u4eba\u5305\u4e00\u6b21\u641e\u5b9a\uff01<\/a><\/p>\n\n\n\n

    \u958b\u5e97\u8cb8\u6b3e\u65b9\u5f0f1\uff1a\u653f\u7b56\u578b\u8cb8\u6b3e<\/h2>\n\n\n\n

    \u9752\u5e74\u5275\u696d\u8cb8\u6b3e<\/h3>\n\n\n\n
    \u9752\u5e74\u5275\u696d\u8cb8\u6b3e\u65b9\u6848<\/strong><\/td>\u5167\u5bb9\u8aaa\u660e<\/strong><\/td><\/tr>
    \u7533\u8acb\u689d\u4ef6<\/td>\u6210\u7acb\u672a\u6eff5\u5e74\u4e4b\u4e8b\u696d\uff0c\u4e14\u501f\u6b3e\u4eba\u572818\u6b72~45\u6b72\u9593\u3002\u9700\u4e0a\u8ab2\u905420\u5c0f\u6642\u6216\u53d6\u5f972\u5b78\u5206\u3002<\/td><\/tr>
    \u8cb8\u6b3e\u984d\u5ea6<\/td>\u6e96\u5099\u91d1\u53ca\u958b\u8fa6\u8cbb\u7528\uff1a\u6700\u9ad8\u70baNT$ 200 \u842c\u5143\u3002
    \u9031\u8f49\u6027\u652f\u51fa\uff1a\u6700\u9ad8\u70baNT$ 400 \u842c\u5143\u3002
    \u8cc7\u672c\u6027\u652f\u51fa\uff1a\u6700\u9ad8NT$ 1,200 \u842c\u5143\u3002<\/td><\/tr>
    \u8cb8\u6b3e\u5229\u7387<\/td>\u6309\u90f5\u5c40\u5b9a\u5132<\/a>\u52a00.575%\u6a5f\u52d5\u8a08\u606f\u3002\u76ee\u524d\u70ba1.720\u00a0% + 0.575% = 2.295%\u3002<\/td><\/tr>
    \u7533\u8acb\u6d41\u7a0b<\/td>\u63d0\u51fa\u7533\u8acb\u2192\u5be9\u6838\u2192\u63d0\u4f9b\u64d4\u4fdd\uff0f\u4fe1\u4fdd<\/a>\u2192\u5c0d\u4fdd\u7c3d\u7d04\u2192\u64a5\u6b3e<\/td><\/tr>
    \u9084\u6b3e\u65b9\u5f0f<\/td>\u5bec\u9650\u671f\u671f\u6eff\u5f8c\uff0c\u6bcf\u6708\u672c\u91d1\u6524\u9084\u6216\u672c\u606f\u5e73\u5747\u6524\u9084\u3002<\/td><\/tr>
    \u627f\u8fa6\u9280\u884c<\/td>\u571f\u5730\u9280\u884c\u3001\u5408\u4f5c\u91d1\u5eab\u3001\u7b2c\u4e00\u9280\u884c\u3001\u83ef\u5357\u9280\u884c\u3001\u5f70\u5316\u9280\u884c\u3001\u5146\u8c50\u9280\u884c\u2026\u2026\u7b4919\u5bb6\u9280\u884c\u53ca\u4fe1\u7528\u5408\u4f5c\u793e\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    \u9752\u5e74\u5275\u696d\u8cb8\u6b3e\u662f\u8a31\u591a\u6709\u958b\u5e97\u5922\u60f3\u7684\u4eba\uff0c\u7b2c\u4e00\u6642\u9593\u60f3\u5230\u7684\u8cb8\u6b3e\u9078\u9805\uff0c\u4e0d\u4f46\u8cb8\u6b3e\u5229\u7387\u4f4e\uff0c\u4e14\u984d\u5ea6\u4e5f\u9ad8\uff0c\u66f4\u68d2\u7684\u662f\u8cb8\u6b3e\u671f\u9650\u5f88\u9577\uff0c\u6700\u9577\u8cb8\u6b3e\u671f\u9650\u53ef\u4ee5\u52306~15\u5e74\uff0c\u5bec\u9650\u671f1~3\u5e74\uff0c\u7f3a\u9ede\u662f\u9700\u8981\u4e0a\u8ab2\u62ff\u6eff\u5b78\u5206\u624d\u80fd\u7533\u8acb\u3002<\/p>\n\n\n\n

    \u5ef6\u4f38\u95b1\u8b80\uff1a\u9752\u5e74\u5275\u696d\u8cb8\u6b3e\u7533\u8acb\u689d\u4ef6.\u6d41\u7a0b\u6709\u54ea\u4e9b\uff1f\u9752\u5275\u8cb8\u6b3e100\u842c\u514d\u5229\u606f\uff1f\u7533\u8fa6\u8981\u9ede\u5927\u5168<\/a><\/pre>\n\n\n\n
    \u5fae\u578b\u9cf3\u51f0\u5275\u696d\u8cb8\u6b3e<\/h3>\n\n\n\n
    \u5fae\u578b\u5275\u696d\u9cf3\u51f0\u8cb8\u6b3e\u65b9\u6848<\/strong><\/td>\u5167\u5bb9\u8aaa\u660e<\/strong><\/td><\/tr>
    \u9069\u7528\u5c0d\u8c61<\/td>1. 18 \u6b72\u5230 65 \u6b72\u5973\u6027
    2. 18 \u6b72\u5230 65 \u6b72\u96e2\u5cf6\u5c45\u6c11
    3. 45 \u6b72\u5230 65 \u6b72\u570b\u6c11<\/td><\/tr>
    \u7533\u8acb\u689d\u4ef6<\/td>\u4e0a\u8ab2\u6eff18\u5c0f\u6642\uff0c\u4e14\u516c\u53f8\u54e1\u5de5\u5c11\u65bc5\u4eba\uff0c\u4e26\u6eff\u8db3\u9644\u52a0\u689d\u4ef6\u3002<\/td><\/tr>
    \u8cb8\u6b3e\u984d\u5ea6<\/td>\u6700\u9ad8200\u842c\u5143\u3002<\/td><\/tr>
    \u8cb8\u6b3e\u5229\u7387<\/td>\u6309\u90f5\u5c40\u5b9a\u5132<\/a>\u52a00.575%\u6a5f\u52d5\u8a08\u606f\u3002\u76ee\u524d\u70ba1.720\u00a0% + 0.575% = 2.295%\u3002<\/td><\/tr>
    \u5229\u606f\u88dc\u8cbc<\/td>\u524d2\u5e74\u52de\u52d5\u90e8\u88dc\u8cbc\u5229\u606f<\/td><\/tr>
    \u7533\u8acb\u6d41\u7a0b<\/td>\u9001\u51fa\u7533\u8acb\u66f8\u2192\u521d\u6b65\u5be9\u67e5\u7533\u8acb\u6587\u4ef6\u2192\u9867\u554f\u5be6\u5730\u8a2a\u8996\u2192\u5be9\u67e5\u6703\u958b\u6703\u5be9\u67e5\u2192\u7c3d\u7d04\u64a5\u6b3e<\/td><\/tr>
    \u9084\u6b3e\u65b9\u5f0f<\/td>\u5bec\u9650\u671f\u671f\u6eff\u5f8c\uff0c\u6bcf\u6708\u672c\u606f\u5e73\u5747\u6524\u9084\u3002<\/td><\/tr>
    \u627f\u8fa6\u9280\u884c<\/td>\u81fa\u7063\u9280\u884c\u3001\u81fa\u7063\u571f\u5730\u9280\u884c\u3001\u5408\u4f5c\u91d1\u5eab\u5546\u696d\u9280\u884c\u3001\u7b2c\u4e00\u5546\u696d\u9280\u884c\u3001\u83ef\u5357\u5546\u696d\u9280\u884c\u3001\u5f70\u5316\u5546\u696d\u9280\u884c\u3001\u81fa\u7063\u4e2d\u5c0f\u4f01\u696d\u9280\u884c<\/td><\/tr>
    \u624b\u7e8c\u8cbb<\/td>\u9664\u7e73\u4ea4\u4fe1\u7528\u4fdd\u8b49\u8cbb\u7528(0.5%)\u53ca\u5fc5\u8981\u4e4b\u5fb5\u4fe1\u67e5\u8a62\u898f\u8cbb(300\u5143)\u5916\uff0c\u627f\u8cb8\u91d1\u878d\u6a5f\u69cb\u4e0d\u5f97\u5411\u8cb8\u6b3e\u4eba\u6536\u53d6\u4efb\u4f55\u8cbb\u7528\u3002<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
    \u5fae\u578b\u5275\u696d\u9cf3\u51f0\u8cb8\u6b3e\u4e5f\u662f\u653f\u5e9c\u7684\u5275\u696d\u8cb8\u6b3e\u4e4b\u4e00\uff0c\u76f8\u8f03\u65bc\u9752\u5e74\u5275\u696d\u8cb8\u6b3e\uff0c\u70ba\u5fae\u578b\u5275\u696d\u9cf3\u51f0\u8cb8\u6b3e\u7684\u8cb8\u6b3e\u984d\u5ea6\u8f03\u4f4e\uff0c\u6700\u9ad8\u70ba200\u842c\u5143\uff0c\u4e14\u70ba\u4e86\u5354\u52a9\u5f31\u52e2\u65cf\u7fa4\uff0c\u7b26\u5408\u689d\u4ef6\u5373\u53ef\u7533\u8acb\u8cb8\u6b3e\u524d3\u5e74\u514d\u606f\uff0c\u7b2c4\u5e74\u56fa\u5b9a\u8ca0\u64d4\u5e74\u606f 1.5%\u7b49\u512a\u60e0\u3002<\/p>\n\n\n\n
    \u5ef6\u4f38\u95b1\u8b80\uff1a\u5fae\u578b\u5275\u696d\u9cf3\u51f0\u8cb8\u6b3e\u597d\u8fa6\u55ce\uff1f3\u5206\u9418\u641e\u61c2\u7533\u8acb\u689d\u4ef6.\u6d41\u7a0b.\u6e96\u5099\u6587\u4ef6<\/a><\/pre>\n\n\n
    \n\n\n\n\n\n\n
    \u5c0f\u5fae\u4f01\u696d\u8cb8\u6b3e\u63a8\u85a6\u9280\u884c<\/td>\n\u8cb8\u6b3e\u65b9\u6848<\/td>\n\u63a8\u85a6\u539f\u56e0<\/td>\n<\/tr>\n
    \"\"\n\u4e2d\u570b\u4fe1\u8a17\u4e2d\u5c0f\u4f01\u696d\u8cb8\u6b3e\n\"apply<\/a><\/td>\n\u8cb8\u6b3e\u984d\u5ea6\uff1a\u6700\u9ad81,000\u842c\u5143\n\u8cb8\u6b3e\u671f\u9650\uff1a\u6700\u95775\u5e74<\/td>\n*\u514d\u64d4\u4fdd\u54c1\uff1a\u79fb\u9001\u4fe1\u7528\u4fdd\u8b49\uff0c\u514d\u64d4\u4fdd\u54c1\u62b5\u62bc<\/strong><\/td>\n<\/tr>\n
    \"\"\n\u5bcc\u90a6\u4f01\u8cb8\n\"apply<\/a><\/td>\n\u8cb8\u6b3e\u984d\u5ea6\uff1a\u6700\u9ad82,000\u842c\u5143\n\u8cb8\u6b3e\u671f\u9650\uff1a\u6700\u95775\u5e74<\/td>\n\u878d\u8cc7\u65b9\u5f0f\u591a\u5143\uff1a\u5305\u542b\u9084\u672c\u578b\u8cb8\u6b3e\u3001\u5faa\u74b0\u578b\u8cb8\u6b3e\u3001\u4e0d\u52d5\u7522\u878d\u8cc7\u3001\u5ba2\u7968\u878d\u8cc7<\/td>\n<\/tr>\n
    \"\"\n\u5bcc\u90a6\u982d\u5bb6\u7d66\u529b\u8cb8\n\"apply<\/a><\/td>\n\u8cb8\u6b3e\u984d\u5ea6\uff1a\u6700\u9ad8200\u842c\u5143\n\u8cb8\u6b3e\u671f\u9650\uff1a\u6700\u95775\u5e74<\/td>\n\u7d93\u71df2\u5e74\u4ee5\u4e0a\u7684\u5c0f\u5fae\u4f01\u696d\u4e14\u6709\u7a05\u7c4d\u767b\u8a18\u5373\u53ef\u7533\u8cb8<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n\n\n
    \u958b\u5e97\u8cb8\u6b3e\u65b9\u5f0f2\uff1a\u9280\u884c\u8cb8\u6b3e<\/h2>\n\n\n\n
    \u500b\u4eba\u4fe1\u7528\u8cb8\u6b3e<\/h3>\n\n\n\n