Recently, ZGC Sci-Tech Guaranty, a member of ZGC Group, jointly released the “ZGC-ICBC Sci-Tech Guarantee Loan” financial product with ICBC Beijing Branch, specifically serving hard-tech startups in the “from 0 to 1” original innovation phase.

Addressing the characteristics of tech enterprises such as light assets, long R&D cycles, and weak early-stage profitability, this product innovatively introduces a four-party shared guarantee mechanism of “loan + guarantee + warrant + private investment special fund.” Through equity-loan-guarantee linkage, multi-party risk sharing, and shared returns, it provides medium- to long-term low-cost funding support for the R&D and innovation endeavors of tech enterprises.

The product offers a maximum loan amount of RMB 10 million per borrower with a financing term of up to three years. The funds can be used for expenses such as technology R&D, researcher salaries, and equipment procurement. The approval process is efficient, significantly simplifying financing procedures and reducing corporate financing costs.Currently, ZGC Sci-Tech Guaranty and ICBC Beijing Branch have jointly implemented two transactions, providing a total of RMB 13 million in credit support to clients in the fields of AI and domestic substitution of basic software.