Port communicationWhat discounts can small loan companies enjoy? Where can I set up online small loans across the country? What are the tax benefits for setting up a small loan company? Where can I set up online small loans across the country? Summary of tax incentives for small loan companies issuing small loans Small loan companies exist as a supplement to banks and Internet finance，Its user groups are mainly small and medium-sized enterprises。
When small and medium-sized enterprises encounter short-term capital turnover problems, they can apply for financing from small loan companies.，Get out of the financial gap。 Small loans are known for their simple operating procedures，Able to promptly solve the needs of small and medium-sized enterprises and win the vast development market。 In recent years, the state has provided more and more tax incentives to small loans and small loan companies.，It is also the country’s support for mass entrepreneurship、An encouragement for everyone to innovate，Let’s summarize these preferential policies with everyone.。
one、Value-added tax (1) Financial institutions From December 1, 2025 to December 31, 2025，financial institutions to farmers、small business、Interest income from micro-enterprises and individual industrial and commercial households from small loans，VAT exempt。
Small loans here，Refers to a single-family credit limit of less than 1 million yuan(Including the original number)of farmers、small business、1 loan for micro-enterprises or individual industrial and commercial households；No credit limit,It refers to the contract amount of a single-family loan and the balance of the loan is 1 million yuan.(Including the original number)1 loan 1 of the following。
(2) Small loan company 1 From January 1, 2025 to December 31, 2025，To the provincial financial management department (financial office)、Interest income from small loan 1 for farmers obtained by a small loan company approved by the Ministry of Finance, etc.)，VAT exempt。 1 small loan here，It refers to a single loan with a total balance of less than 100,000 yuan (including the principal amount) of the farmer's loan.。
two、Income tax (1) Financial institutions From January 1, 2025 to December 31, 2025，Interest income from a small loan to farmers from a financial institution，When calculating taxable income，Included in total income at 90%。
(2) Small loan companies From January 1, 2025 to December 31, 2025，To the provincial financial management department (financial office)、Interest income from farmers’ small loans obtained by a small loan company approved by the Ministry of Finance, etc.)，When calculating taxable income，Included in total income at 90%。 1 small loan here，It refers to a single loan with a total balance of less than 100,000 yuan (including the principal amount) of the farmer's loan.。
From January 1, 2025 to December 31, 2025，To the provincial financial management department (financial office)、For small loan companies approved by the Ministry of Finance, etc.), the loan loss reserve accrued at 1% of the loan balance at the end of the year is allowed to be deducted before corporate income tax.。 After the above summary，I believe you have an understanding of the tax benefits of small loans issued by financial institutions or small loan companies.。
at present，The Shenzhen Finance Office has officially launched the pilot application process for a new batch of Shenzhen small loan companies.，The application deadline is from May 15, 2025 to August 15, 2025。Bosses who want to set up small loan companies，You have to hurry up!
Conditions that small loan company registration and license application entities need to meet： one、Registered capital
Require
：Limited liability company shall not be less than RMB 300 million；A joint stock company shall not be less than RMB 400 million 2、Main sponsor qualifications
Require
： In addition to complying with the relevant provisions of the "Interim Measures"，The following conditions should also be met： (1) Net assets shall not be less than RMB 200 million，The asset-liability ratio shall not be higher than 65%，And in principle, the long-term investment amount after the implementation of this project investment shall not exceed 60% of the net assets (consolidated accounting statement caliber)； (2) Consecutive profits in the past three years，The cumulative total net profit is not less than RMB 60 million，And the cumulative total tax paid is not less than RMB 18 million (consolidated accounting statement caliber)。
three、Need to rent the actual office address 4、Have more than 3 senior executives and have industry experience in small loan business/economic work 5、There must be practical and distinctive projects to support the development of small loan enterprises 6、Must have certain investment ability
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