申请《冠状病毒中小企业担保计划》澳洲 $25万政府担保生意现金流贷款？一定要看这个视频！| 视频 Finance
根据澳洲 《冠状病毒中小企业担保计划》，政府将向中小企业贷款人提供 50％的担保，用于新的无抵押贷款，以用作营运资金。这将增强借贷方（银行）借贷的意愿和能力，使中小型企业能够获得更多资金，以在未来几个月内为他们提供支持。
当前确认参与此计划的银行和金融机构有 23 家
- Australian Mutual Bank Limited
- ANZ
- Bank Australia
- Bank of Queensland
- Bank of us
- Bendigo and Adelaide Bank Ltd
- Commonwealth Bank of Australia
- Get Capital
- Heritage Bank Limited
- Judo Bank Pty Ltd
- Liberty Financial
- Moula Money
- MyState Bank Limited
- National Australia Bank Limited
- OnDeck Capital
- Prospa
- Queensland Country Bank Limited
- Regional Australia Bank Ltd
- Summerland Credit Union
- Suncorp
- The Capricornian Ltd
- Unity Bank
- Westpac
澳洲中小企业 250k 政府担保现金流贷款细节
贷款额度：最高 $250k
年限：3 年
利率：4.5%-5.5%
还款方式：前 6 个月类似 Overdraft 无需偿还利息，后 2.5 年需本息还清贷款
（政府要求贷款的形式是flexible access，也就是说客人需要用钱的时候才收利息，不用钱的时候，应该放在账户上，不产生利息。）
担保：政府担保 50%，银行独立完成信用审批
抵押物：无
材料要求：2019 财报+ ATO Portal + 近期 3 个月 business transactions 账单
申请时间：4 月 30 日起至 2020 年 9 月 30日
多数银行针对已有客户“优先”提供此产品申请，新客户需要提供 2018 和 2019 两个财年财报证明其盈利能力确保偿还能力。
提前准备的相关问题
Please answer the following questions and advise who will be accepting the consent.
- How much do you need?
- What will you use it for?
- How was the business travelling prior to COVID-19?
- Have you or other business partner requested and/or received any other COVID-19 relief?
- How long do you require it?
- At this early stage what is your expected repayment source?
- What are the specific impacts of COVID-19 on the your business performance (for example has it impacted sales and to what degree, impact on collection of debtors, impact on expenses etc).
- What is your strategies to manage your cash flow and business operations over the next six months?
- Post the COVID-19 pandemic, do you have a view about how long your business will take to return to normal trading conditions and, if so, what is your strategy to achieve this?
- Please provide FY19 Financial statement.
