Small-Business Financing Service｜SHOPLINE Payments (TW)

To meet the frequent short-term and unexpected funding needs in e-Commerce, SHOPLINE Payments has selected loan programs from CTBC Bank, Taishin Bank, and 21 FINTECH. This article explains how to apply for a loan and how to gather relevant information required for application review from the SHOPLINE Admin.

⚠️ Before you start, please be reminded:

• The detailed borrowing and repayment regulations are subject to the contract you sign with the respective bank or institution.
• Before applying for a 21 FINTECH loan, you need to first activate a SHOPLINE Payments account. Please refer to: 申請介紹｜SHOPLINE Payments (FAQ available in Traditional Chinese only).

⚠️ This feature is only available to stores that meet all of the following requirements:

• Currency: New Taiwan Dollar (TWD)
• Country/region: Taiwan
• SHOPLINE annual plan

In this article, you'll find: 

• Differences between personal and business loans
• How to apply for a loan
• Apply for a personal loan (21 FINTECH)
• Apply for a selected business loan (CTBC Bank)
• Apply for a selected business loan (Taishin Bank)
• Gather relevant documents for review

1. Differences between individual and business loans

The following table outlines the differences between individual and business loans:

2. How to apply for a loan

Step 1. Go to your SHOPLINE Payments account

In the SHOPLINE Admin, go to [Hello, OOO] > [SHOPLINE Payments account]; or go to [Settings] > [Payment Options] from the left menu and click View SHOPLINE Payments account.

Step 2. Find the "Small-Business Financing Service" section

Find the "Small-Business Financing Service" section on the right. You'll see the "Business Application" and "Individual Application" sections. Click Learn More.

3. Apply for a individual loan (21 FINTECH)

Click Learn More in the "Individual Application" section. A window will pop up with an introduction to 21 FINTECH and the financing service application process.

To fill out the application form, click Click here to apply. Click Got it to close the window.

The application questionnaire only requires your name, phone number, SHOPLINE account (handle), and preferred contact time. Upon submission, a representative from 21 FINTECH will get in touch with you regarding the subsequent process.

4. Apply for a selected business loan (CTBC Bank)

Who is eligible for a CTBC Bank business loan?

1. Small and medium enterprises (SMEs) that meet the definition of TSMEG and have been established for at least one year.
2. Annual reported revenue exceeding TWD 1 million and positive pre-tax net income.
3. The business and related parties have normal bill and credit records.

What documents are required for the application?

1. Loan application forms and basic information forms for the company, responsible person, guarantor, and affiliated companies.
2. Copies of passbook transaction records from the primary financial institutions used by the above company and related parties for the past three months, including the passbook cover.
3. Copies of company registration documents, company change registration forms, articles of incorporation, registers of directors and supervisors, partnership agreements, and other relevant documents.
4. Copies of balance sheets and income statements for the past three years, and Forms 401/403/405 for the past year.
5. Other documents that may support the application review and demonstrate the applicant's financial resources, such as fund subscription forms, insurance policies, real estate transcripts, reported income, and contracts.

What is the process from loan consultation and application to disbursement, and how long does it take?

A CTBC Bank representative will contact you in as soon as 1 business day to assess your eligibility. Once an appointment has been arranged and all required documents have been submitted, the review can be completed in as soon as 2 business days. After approval, funds can be disbursed in as soon as 1 business day once verification is completed and all required documents are provided.

How can I learn more about CTBC Bank business loans?

Click here for an assessment by a CTBC Bank representative

5. Apply for a selected business loan (Taishin Bank)

Who is eligible for a Taishin Bank SME loan?

Businesses with annual revenue of at least TWD 400,000 that have been established for at least one year.

What documents are required for the application?

1. Proof of business registration, transcript of business registration, and tax registration documents (or company (change) registration form, articles of incorporation, and register of shareholders).
2. Forms 401, 403, or 405 for the past two years.
3. Profit-making enterprise income tax returns and balance sheets for the past three years.
4. Copies of the ID cards of the responsible person and their spouse.

What is the process from application to disbursement?

Apply online through the Taishin Bank website → Submit the required documents → Bank review → Verification → Disbursement.

How long does the process from application to disbursement take?

After you submit the online application, a Taishin Bank representative will contact you within 1 business day. Once all application information is provided, the review can be completed in as soon as 4 hours. After approval, the representative will complete the verification process with you, and funds can be disbursed in as soon as 1 business day once all required documents are provided.

Click here for an assessment by a Taishin Bank representative

6. Gather relevant documents for review

You can visit the following pages to obtain the information required for verification to complete the application. 

i. Time and date when you joined SHOPLINE

Step 1

In the SHOPLINE Admin, go to  [Hello, xxx] > [My Subscription & Billing].

Step 2

Scroll down to the bottom and check the earliest "Date," which represents the time when you joined SHOPLINE.

ii. Annual turnover

Step 1

In the SHOPLINE Admin, go to [Report & Analytics] > [Shoplytics].

*Note: If your store plan/module does not support Shoplytics, please contact the Online Merchant Success Team for assistance.

Step 2

Click on the date picker at the top right and choose a period under "Custom" for the analysis range. Set the time to the past year (e.g. 2024/01/01 - 2024/12/31) and click Apply to proceed.

Step 3

Take a screenshot of the displayed page with the annual transaction data.

Read more

• 申請介紹｜SHOPLINE Payments (台灣) (FAQ available in Traditional Chinese only)
• Introduction | Shoplytics