资金流紧张,在英中小企业如何申请政府的疫情救助贷款?

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以中餐馆为代表的在英中小企业,如何利用政府的疫情帮扶措施?

Dear All,

尊敬的各位,

We wanted to let you know we are here to help and offer you practical support during this difficult time of the coronavirus (COVID-19) outbreak. Its impact is touching all of our lives, and we understand that you might be worried about what it means for your business.

值此新冠肺炎(COVID-19)肆虐之际,我们首先对您和您家人的健康表示衷心的慰问。同时,我们充分理解您可能会担心这场危机这对企业的不利影响,因此我们将在此为您提供帮助和支持,一起度过这个艰难时刻。

For enterprises, the current crisis caused by the epidemic will give rise to disruption of cash flow and default upon their debts, which may lead to systemic risks of the entire financial system. In view of this, the British government quickly took action to respond with the Coronavirus Business Interruption Loan Scheme (CBILS).

疫情导致的经济停滞会使得很多企业现金流断裂出现债务违约,进而导致整个金融体系出现系统性风险。有鉴于此,英国政府迅速采取行动,试图通过包括新冠肺炎商业中断贷款计划 (CBILS) 在内的一揽子救助贷款计划,来应对新冠病毒大流行带来的经济威胁。

To help you know where to go for the information we have created dedicated graphs below where you can find all the latest information on our professionals and how we can support you.

为了帮助您更直观地获取有用信息,我们在此附上了介绍图,您可以在其中找到有关我们可以为您提供的帮助和支持,以及相关专业人员的联系方式。

  • What are the requirements of the Coronavirus Business Interruption Loan Scheme (CBILS)?
  • 加入新冠肺炎商业中断贷款计划的要求是什么?

the Coronavirus Business Interruption Loan Scheme (CBILS) is only open to UK SMEs with an annual turnover of no more than 45 million pounds and a cash flow requirement of fewer than 5 million pounds. The CBILS loan they apply for must be used for business conducted in the UK. Companies applying for this scheme must be adversely affected by the current crisis.

新冠肺炎商业中断贷款计划仅对年营业额不超过4500万英镑、借款需求在500万英镑以内(包含本数)的英国中小企业开放,并且其申请的CBILS贷款须用于在英国开展的业务。申请上述贷款的企业均需因新冠肺炎而受到不利影响。

  • What is the significance of the Coronavirus Business Interruption Loan Scheme (CBILS)?
  • 新冠肺炎商业中断贷款计划对企业的意义是什么?

In the case of severe cash flow disruption, the new scheme will help companies from a wide range of sectors to pay wages and debts and provide financial support to companies across the UK which have experienced cash flow disruptions due to falling revenue.

在现金流受到严重干扰的情况下,新冠融资计划将帮助各行各业的企业及时支付职工工资和供应商货款,为全英范围内因营收下降而导致现金流中断的企业提供资金支持。

  • What can we do to help you?
  • 我们能为您做什么?

As you may be aware, there is currently an unprecedented number of enterprises applying for this scheme, and many of these cases have been successful. If your cash flow is disrupted by the current crisis we’ve put in place options to help you, including helping with the evaluation and application of CBILS facility as well as possible commercial (non-CBILS) facilities, depending on the certain circumstance. Relevant fees will be discounted considering the impact of the current crisis on your business, and we will do everything we can to support you, and are committed to keeping you updated as things develop.

您可能已经了解到,目前有大量中小企业在申请该计划,且其中有许多成功案例。 如果您企业的现金流因当前的危机而中断,我们将根据具体情况为您提供各种选择,包括评估获得CBILS贷款以及一般商业贷款(非CBILS贷款)的可能性,并帮助申请CBILS贷款以及一般商业贷款。 考虑到当前危机对您企业的不利影响,我们将对企业收取优惠的法律服务费用,帮助企业渡过难关。我们将竭尽所能为您提供帮助和支持,并随时为您提供有用信息。

Best regards,

祝好

李诚容 (Paul Li)

合伙人

Partner

中伦律师事务所伦敦分所

Zhong Lun Law Firm London Office

团结一心,共克时艰

中伦律师事务所伦敦分所

共同战疫  

中小企业如何申请英国政府救助贷款

为缓解因新冠疫情导致企业现金流断裂而出现债务违约,进而导致整个金融体系出现系统性风险,英国政府推出3300亿英镑的一揽子救助贷款计划,以应对疫情带来的经济威胁。

其中针对中小型企业的是从3月23日起开放申请的“新冠肺炎商业中断贷款计划(The Coronavirus Business Interruption Loan Scheme,简称 CBILS)”。

在英经营的年营业额不超过4500万英镑的中小型企业如中餐馆和贸易公司等均可能符合CBILS标准。

对于年营业额超过4500万英镑的中型或大型企业,可以考虑申请英国政府已经或即将推出的其他救助贷款计划。

李诚容:中伦伦敦合伙人

银行融资业务是中伦伦敦核心业务之一,为英国和欧洲主要商业银行及在英各中资银行提供服务。

客户包括商业银行、投资银行、非银行金融机构、资管和基金经理、保险公司和再保险公司、金融中介机构、专业服务公司,破产管理人等各类国际金融机构。所涉领域包括银行与金融, 资产证券化与金融产品, 一带一路与海外投资。

针对该计划提供的服务

中伦伦敦银行金融团队

1

如何选择适用的融资计划

2

评估是否符合融资要求

3

4

多渠道融资建议及组合

协助申请

(李诚容 中伦律所伦敦办公室)
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