Jiayin Group Inc. Announces Entry into Loan Facility
Jiayin Group (NASDAQ:JFIN) announced that its indirect wholly‑owned subsidiary Jirongzhicheng entered a loan facility agreement on November 6, 2025 with lenders to provide up to RMB600 million in multiple tranches available for drawdown until December 31, 2025. The facility bears interest equal to the over‑five‑year loan prime rate (currently 3.5% pa) and matures on November 11, 2032.
To secure the facility, Jirongzhicheng agreed to mortgage certain commercial property, and its parent Geerong Yunke pledged 100% equity interest in Jirongzhicheng; Geerong Yunke and a consolidated variable interest entity agreed to guaranties. The company intends to use proceeds for general working capital.
Jiayin Group (NASDAQ:JFIN) ha annunciato che la sua controllata indiretta interamente controllata Jirongzhicheng ha stipulato una convenzione di facility di prestito il 6 novembre 2025 con i creditori per fornire fino a RMB600 milioni in diverse tranche disponibili per lo sblocco fino al 31 dicembre 2025. La facility prevede un interesse pari al tasso prime sui prestiti di oltre cinque anni (attualmente 3,5% annuo) e scade il 11 novembre 2032.
Per garantire la facility, Jirongzhicheng ha accettato di ipotecare una certa proprietà commerciale, e la sua controllante Geerong Yunke ha impegnato il 100% delle partecipazioni in Jirongzhicheng; Geerong Yunke e una entità a interesse variabile consolidata hanno accettato garanzie. La società intende utilizzare i proventi per capitale circolante generale.
Jiayin Group (NASDAQ:JFIN) anunció que su subsidiaria indirecta 100% propietaria Jirongzhicheng firmó un acuerdo de facilidad de préstamo el 6 de noviembre de 2025 con prestamistas para proporcionar hasta RMB600 millones en varias tranches disponibles para desembolsos hasta el 31 de diciembre de 2025. La facilidad devenga intereses a una tasa igual a la de los préstamos con cinco años de antigüedad (actualmente 3,5% anual) y madura el 11 de noviembre de 2032.
Para asegurar la facilidad, Jirongzhicheng acordó hipotecar cierta propiedad comercial, y su matriz Geerong Yunke comprometió el 100% de la participación de Jirongzhicheng; Geerong Yunke y una entidad de interés variable consolidada aceptaron garantías. La empresa tiene la intención de utilizar los fondos para capital de trabajo general.
Jiayin Group (NASDAQ:JFIN)은 간접적으로 전액 보유한 자회사 Jirongzhicheng이 2025년 11월 6일에 대출시설 계약을 체결하여 RMB600백만 원까지 여러 차례의 인출 가능 트랜치로 제공하고 2025년 12월 31일까지 인출 가능하도록 발표했습니다. 이 시설은 초과 5년 대출 우대금리(현재 연 3.5%)에 해당하는 이자를 부담하며, 2032년 11월 11일에 만기됩니다.
시설 담보를 확보하기 위해 Jirongzhicheng은 특정 상업용 부동산을 담보로 제공했고 모회사 Geerong Yunke은 Jirongzhicheng의 지분 100%를 담보로 약정했습니다; Geerong Yunke와 통합 변동이익실체도 보증에 동의했습니다. 회사는 자금을 일반 운전자본으로 사용할 예정입니다.
Jiayin Group (NASDAQ:JFIN) a annoncé que sa filiale indirecte entièrement détenue Jirongzhicheng a conclu le 6 novembre 2025 un accord de facilité de prêt avec des prêteurs pour fournir jusqu’à 600 millions de RMB en plusieurs tranches disponibles jusqu’au 31 décembre 2025. La facilité porte intérêt au taux directeur des prêts sur plus de cinq ans (actuellement 3,5 % p.a.) et arrive à échéance le 11 novembre 2032.
Pour sécuriser la facilité, Jirongzhicheng a accepté d’hypothéquer certaines propriétés commerciales, et sa société mère Geerong Yunke s’est engagée à céder 100 % des participations de Jirongzhicheng; Geerong Yunke et une entité à intérêt variable consolidée ont accepté des garanties. L’entreprise prévoit d’utiliser les fonds pour fonds de roulement général.
Jiayin Group (NASDAQ:JFIN) gab bekannt, dass seine indirekt vollständig im Besitz befindliche Tochtergesellschaft Jirongzhicheng am 6. November 2025 eine Kreditfazilitätenvereinbarung mit Kreditgebern abgeschlossen hat, um bis zu RMB600 Millionen in mehreren Tranchen bereitzustellen, abrufbar bis zum 31. Dezember 2025. Die Fazilität verzinst sich mit dem Zinssatz des über fünf Jahre laufenden Loans Prime Rate (derzeit 3,5 % p.a.) und läuft am 11. November 2032 aus.
Zur Sicherung der Fazilität hat Jirongzhicheng vereinbart, eine bestimmte gewerbliche Immobilie zu verpfänden, und ihre Mutter Geerong Yunke hat sich verpflichtet, 100% der Anteile an Jirongzhicheng zu verpfänden; Geerong Yunke und eine konsolidierte variablenzinsorientierte Einheit haben Garantien übernommen. Das Unternehmen beabsichtigt, die Mittel für Allgemeines Working Capital zu verwenden.
Jiayin Group (NASDAQ:JFIN) أعلنت أن شركتها التابعة غير المباشرة المملوكة بالكامل Jirongzhicheng دخلت في اتفاقية تسهيلات ائتمانية في 6 نوفمبر 2025 مع المقرضين لتوفير حتى 600 مليون يوان صيني RMB على دفعات متعددة متاحة للسحب حتى 31 ديسمبر 2025. تقرض التسهيل بفائدة مساوية لسعر القرض القياسي لفترة تفوق الخمس سنوات (حالياً 3.5% سنوياً) وتستحق في 11 نوفمبر 2032.
لتأمين التسهيل، وافقت Jirongzhicheng على رهن ممتلكات تجارية محددة، ووالدتها Geerong Yunke تعهّدت برهن 100% من أسهم Jirongzhicheng؛ ووافقت Geerong Yunke وكيان فائدة متغير متحد الدمج على الضمانات. تعتزم الشركة استخدام العوائد لـ رأس المال العامل العام.
- Loan facility up to RMB600 million
- Fixed maturity date on Nov 11, 2032
- Interest tied to over‑five‑year LPR (currently 3.5% pa)
- Commercial property mortgaged as collateral
- 100% equity pledge of Jirongzhicheng by parent company
- Parent and VIE guarantees create contingent liabilities
SHANGHAI, China, Nov. 12, 2025 (GLOBE NEWSWIRE) -- Jiayin Group Inc. (“Jiayin” or the “Company”) (NASDAQ: JFIN), a leading fintech platform in China, today announced that its indirect wholly-owned subsidiary, Shanghai Jirongzhicheng Enterprise Development Co., Ltd. (“Jirongzhicheng”), entered into a loan facility agreement with certain financial institutions (the “Lenders”) on November 6, 2025, pursuant to which the Lenders agreed to provide a loan facility (the “Loan Facility”) of up to RMB600 million that can be drawn down by Jirongzhicheng in multiple tranches from time to time until December 31, 2025. The Loan Facility has an interest rate per annum equal to over-five-year loan prime rate, which is currently
To secure the Loan Facility, Jirongzhicheng has agreed to mortgage certain commercial property it owns to the Lenders, and its parent, Geerong Yunke Information Technology Co., Ltd. (“Geerong Yunke”), has agreed to pledge its
About Jiayin Group Inc.
Jiayin Group Inc. is a leading fintech platform in China committed to facilitating effective, transparent, secure and fast connections between underserved individual borrowers and financial institutions. The origin of the business of the Company can be traced back to 2011. The Company operates a highly secure and open platform with a comprehensive risk management system and a proprietary and effective risk assessment model which employs advanced big data analytics and sophisticated algorithms to accurately assess the risk profiles of potential borrowers. For more information, please visit https://ir.jiayintech.cn/.
Forward-Looking Statements
This press release contains forward-looking statements. These statements are made under the “safe harbor” provisions of the United States Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as “will,” “expects,” “anticipates,” “future,” “intends,” “plans,” “believes,” “estimates” and similar statements. The Company may also make written or oral forward-looking statements in its periodic reports to the SEC, in its annual report to shareholders, in press releases and other written materials and in oral statements made by its officers, directors or employees to third parties. Statements that are not historical facts, including statements about the Company’s beliefs and expectations, are forward-looking statements. Forward-looking statements in this press release include, but are not limited to, the completion of the purchase and the future use of the Commercial Property. Forward-looking statements involve inherent risks and uncertainties and are based on current expectations, assumptions, estimates and projections about the Company and the industry. Potential risks and uncertainties include, but are not limited to, those relating to the Company’s ability to retain existing investors and borrowers and attract new investors and borrowers in an effective and cost-efficient way, the Company’s ability to increase the investment volume and loan facilitation volume of loans facilitated through its marketplace, effectiveness of the Company’s credit assessment model and risk management system, PRC laws and regulations relating to the online individual finance industry in China, general economic conditions in China, and the Company’s ability to meet the standards necessary to maintain listing of its ADSs on the Nasdaq Stock Market or other stock exchange. All information provided in this press release is as of the date hereof, and the Company undertakes no obligation to update any forward-looking statements to reflect subsequent occurring events or circumstances, or changes in its expectations, except as may be required by law. Although the Company believes that the expectations expressed in these forward-looking statements are reasonable, it cannot assure you that its expectations will turn out to be correct, and investors are cautioned that actual results may differ materially from the anticipated results. Further information regarding risks and uncertainties faced by the Company is included in the Company’s filings with the U.S. Securities and Exchange Commission, including its annual report on Form 20-F.
For investor and media inquiries, please contact:
Jiayin Group
Ms. Emily Lu
Email: ir@jiayinfintech.cn
FAQ
What amount and term did Jiayin (JFIN) secure in the November 6, 2025 loan facility?
When can Jiayin (JFIN) draw down the RMB600 million loan facility?
What interest rate applies to Jiayin's (JFIN) new loan facility?
What collateral and guarantees secure Jiayin's (JFIN) loan facility?
How does Jiayin (JFIN) plan to use proceeds from the loan facility?
