What are the channels for SME loans?
1, upstream and downstream channels: small businesses can go upstream and downstream from the industrial chain to find loan opportunities, if a well-known brand of automobile dealers, the enterprise can rely on the credit and guarantee of the upstream manufacturers to loans, if a leading enterprise material suppliers, can also be used to order to the bank for order pledge.
2, policy: now the state is vigorously supporting small and medium-sized enterprises, one after another launched a lot of preferential policies. Small Business Bureau, the Trade and Industry Bureau will usually have more complete bank credit information, some departments will introduce enterprises to join a joint bank loan program, some will be set up through the establishment of guarantee agencies to provide security for small business loans.
3, financial institutions: you can get loan information from all kinds of commercial institutions, to the development of parks or science and technology parks in the development zone management committees, chambers of commerce and industry associations and other information on the loan, some commercial institutions will also be set up with the bank to set up a joint loan program, by the commercial institutions to provide guarantees for small business loans under its terms.
4, local channels: if the county industrial clusters or local advantages and characteristics of a member of the industry, the enterprise can also rely on the advantages of the relevant enterprises to apply for loan varieties such as joint guarantee loans.
Expanded Information:
What are all the ways to get a loan for small and medium sized businesses?
One, comprehensive credit
That is, for some good business conditions, credit reliable enterprises, granted a certain amount of credit line within a certain period of time, the enterprise in the validity period and the amount of the range can be used on a revolving basis. Comprehensive credit line by the enterprise a one-time declaration of relevant materials, the bank a one-time approval. Enterprises can use the money in installments according to their own operating conditions and repay as they borrow, which makes it very convenient for enterprises to borrow money and saves the cost of loans at the same time. Banks use this way to provide loans, generally have business registration, annual inspection, management, reliable credit, with the bank has a longer-term relationship with the enterprise.
Two, credit guarantee loans
In the country's 31 provinces and municipalities, more than 100 cities have established small and medium-sized enterprise credit guarantee institutions. Most of these institutions implement the form of membership management, belonging to the public **** service, industry self-regulation, their own non-profit organizations. The source of the guarantee fund is generally made up of financial allocations from the local government, voluntary membership funds paid by members, funds raised by the community, funds from commercial banks and other components. When member enterprises borrow from banks, they can be guaranteed by SME guarantee organizations. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When enterprises cannot provide guarantee measures acceptable to banks, such as mortgages, pledges or third-party credit guarantors, guarantee companies can solve these difficulties. This is because guarantee companies are more flexible in their collateral requirements compared to banks. Of course, in order to protect their own interests, guarantee companies will often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will also send staff to enterprises to monitor the flow of funds.
Three, project development loans
Some high-tech small and medium-sized enterprises with significant value of scientific and technological achievements in the transformation of the project, the amount of initial capital investment is relatively large, the enterprise's own capital is difficult to bear, you can apply for a project development loan from the bank. Commercial banks have mature technology and good market prospects for high-tech products or patented projects of small and medium-sized enterprises, as well as the use of high-tech achievements for technological transformation of small and medium-sized enterprises, will give active credit support to promote enterprises to speed up the transformation of scientific and technological achievements. For high-tech SMEs that have established stable project development relationships with higher education institutions and scientific research institutes or have their own research departments, banks can also handle project development loans in addition to providing working capital loans.
Four, natural person guarantee loan
Natural person guarantee can take mortgage, rights pledge, mortgage plus guarantee three ways. The property that can be used as collateral includes personally owned property, land use rights and means of transportation. Personal property that can be pledged includes savings certificates of deposit, certificated treasury bonds and registered financial bonds. Mortgage plus guarantee refers to a joint and several liability guarantee of the mortgagor on top of the property mortgage. If the borrower fails to repay all the principal and interest of the loan on time or other defaults occur, the bank will require the guarantor to fulfill the guarantee obligation.
Fifth, personal entrusted loans
Chinese construction banks, Minsheng Bank, CITIC Industrial Bank and other commercial banks have launched a new variety of loan business - personal entrusted loans. That is, by the individual entrusted to provide funds, by commercial banks according to the principal to determine the object of the loan, purpose, amount, duration, interest rate, etc., on behalf of the issuance, supervision, use and assist in the recovery of a loan. The basic procedure for handling personal entrusted loans is:
The application for lending is made by the principal to the bank.
The bank selects and matches according to the conditions and requirements of both parties and introduces them to the principal and the borrower respectively.
The principal and the borrower meet directly to discuss and decide on specific matters and details such as the amount to be borrowed, the interest rate, the term of the loan, and the mode of repayment.
After the borrower and the lender have agreed on the requirements and conditions, they go to the bank together and sign a consignment agreement with the bank separately.
The bank investigates the creditworthiness and repayment ability of the borrower and issues an investigation report, and then the borrower and lender sign a loan contract and issue a loan after approval by the bank.
Six, bill discount loans
Bill discount loans, refers to the bill holders will be commercial paper transfer to the bank, to obtain the funds after deducting the discount interest. In China, commercial paper mainly refers to bankers' acceptances and commercial acceptances. One of the benefits of this type of loan is that banks do not lend money according to the size of the enterprise's assets, but rather on the basis of market conditions (sales contracts). Enterprises receive the note to the date of maturity of the note is often less than a few dozen days, more than 300 days, the funds in this period of time in an idle state. If the enterprise can make full use of the bill discounting loan, far more than applying for a loan procedures are simple, and the cost of the loan is very low. Discounted bills only need to bring the appropriate bills to the bank for the relevant procedures can be, generally within 3 business days can be completed, for enterprises, this is "tomorrow's money to earn the day after tomorrow's money", this loan is worth SMEs to be widely and actively utilized.
Seven, pawn loans
Pawn is in kind as collateral, in the form of transfer of ownership in kind to obtain a temporary loan of a loan. Compared with the bank loan, pawn loan cost is high, the loan scale is small, but pawn also has the advantages of bank loans can not be compared. First of all, compared with the bank on the borrower's credit conditions nearly harsh requirements, pawnbrokers on the customer's credit requirements are almost zero, pawnbrokers only focus on whether the pawned goods are real. Moreover, general commercial banks only do real estate mortgages, while pawnbrokers can pledge both movable and immovable assets. In fact, in addition to pawnshops, microcredit service organizations, guarantee companies, companies and other institutions are carrying out vehicle mortgage lending business.
Eight, intellectual property rights
Intellectual property rights refers to legally owned patents, trademarks, copyrights in the property rights assessed to apply for small and medium-sized enterprise financing to banks. Due to the special nature of the implementation and realization of intellectual property rights such as patents, only a very few banks to provide this SME financing facilities for some small and medium-sized enterprises, and generally need to be insured by the legal representative of the enterprise. Nevertheless, those excellent SMEs with independent intellectual property rights can still give it a try.
How to get a loan for small and medium-sized enterprises
Question 1: How to get a loan for small and medium-sized enterprises You can get a credit loan for your enterprise: you need to have a business license for more than 3 years, have a local real estate, and have a yearly water flow of more than 1.2 million, which will allow you to get a loan of up to 300,000 yuan.
You can do enterprise mortgage: the legal name of the property as a mortgage, the maximum can be loaned to the total value of the property of 140%, the business license for more than one year
You can do personal mortgage: the personal name of the private house as a mortgage, the maximum can be loaned to the total value of the property of 70%
Question 2: How to apply for small and micro-enterprise interest-free loans, what materials are required Banks The conditions of interest-free loans:
1, age 18 to 45 years old, with full capacity for civil behavior of Chinese citizens;
2, have a fixed residence and proof of business premises. Proof of fixed abode can be a real estate license (the name of the parents of the real estate license can also be), proof of business premises should be issued by the business administration authorities to hold a business license and business permits in related industries, indicating that they are engaged in normal production and business activities.
3, proof of funds. The loan applicant's investment program requires that there has been a certain amount of own funds. This is an important condition for banks to measure whether to borrow, because the amount of business loan requirements generally up to a maximum of no more than the lender's normal production and business activities required working capital, as well as the purchase (installation or repair) of small equipment and franchising chain of 70% of the total amount of funds required.
4, settlement account. The loan applicant must open a settlement account in the bank where the loan is made, and the business income should be settled by the bank. And the purpose of the loan is in line with the relevant national laws and regulations of the Bank's credit policy, and is not allowed to be used for other speculative investment projects such as equity interests.
5, loan guarantee. The loan applicant needs to provide certain guarantees, including real estate mortgage, depository receipt pledge and third-party guarantee in three forms, in addition to providing some of their own credit status, repayment ability and loan investment information to the bank as far as possible, which will increase the integrity of the loan, in order to facilitate the smooth obtaining of the loan.
6, good credit, no bad record;
7, the project is in line with national industrial policy and regional economic development, with better economic and social benefits. Entrepreneurs who want to apply can go to the local labor department for advice. At present, whether the interest is paid by the individual first, and then financial subsidies, or financial prepayment of interest, the relevant program has not yet been determined, but the financial subsidies are certain.
The conditions of each bank interest-free loans are different, but the above several are required to meet, and then the procedures will be more, we must be prepared before the loan information, so as not to run back and forth waste of time.
Question three: small and microenterprise loans to provide the required information? 1, application;
2, company profile;
3, copy of the company's business license;
4, enterprise code certificate;
5, tax registration certificate (national tax, local tax);
6, special industry production, business licenses, qualification certificates;
7, the articles of association;
8, capital verification report;
9, legal representative profile;
10, legal representative ID card;
11, certificate of identity of legal representative issued by the company;
12, resolution of the board of directors agreeing to the loan;
13, financial statements verified by accounting (auditing) firms in the last three years;
14, the last three months' Balance sheet, profit and loss statement, cash flow statement;
15, Statement of financial status: a) Statement of liabilities; b) Statement of investment; c) Statement of business sales revenue and profit sources;
16, Loan card and its PIN number;
17, Explanation of loan guarantees for other enterprises;
18, Repayment plan;
19, Copy of business contracts that are occurring and will occur a copy of the business contract;
20, plan for the use of funds or project feasibility report;
21, collateral required to provide materials:
a) proof of ownership of the collateral (state-owned land use rights certificates, housing rights ownership certificates); b) collateral assessment report.
Question 4: How do banks define micro-enterprise loans Minsheng, China Merchants Bank, Pudong Development, Huaxia, Guangfa and other banks are more concerned about small and micro-credit joint-stock banks, but the definition of each bank for small and micro-enterprise finance is different. Minsheng Bank is targeting small businesses and microenterprises with loans of 1 million to 5 million yuan, and Pudong Development Bank is implementing a large retail model, which mainly includes personal consumption, personal business loans, and small and medium-sized loans of less than 5 million yuan. Huaxia Bank is aimed at personal business loans, and micro loans of less than 2 million yuan.
Question 5: Small and microenterprise legal person loan application conditions According to my understanding, small and microenterprise legal person loan is for small business legal person business loan, mainly used to meet the enterprise in the production and operation process of normal capital needs. So, can a corporate legal person apply for a business loan?
As far as I understand, as long as the state administration for industry and commerce approved the registration of small businesses with the qualification of the loan, can apply to the bank.
First, the advantages of small and micro-enterprise loans:
1, the loan amount is higher
The credit limit of the small enterprise legal person loan is higher, for example, the Postal Savings Bank stipulates that the maximum amount of up to 20 million yuan; the loan period of the maximum of five years; the interest rate of the loan in the People's Bank of China on the basis of the benchmark interest rate of commercial loans floating appropriately.
2, small business loans diversified
Small business loans can take real estate collateral, movable assets pledge, guarantee and other forms of security, but also a combination of a variety of security methods.
Second, small and micro-enterprise legal person loan application conditions
1, customer groups: age 24-65 years old, established more than 6 months and three certificates of the limited company or sole proprietorship legal representative;
2, income requirements: monthly income flow of more than 30,000, need to provide the last six months of the personal or company flow;
3, credit conditions: no malicious delinquent
4, other conditions: local property.
5, other restrictions: entertainment, steel trade and other high-risk industries are not allowed to enter;
Third, small and micro-enterprise legal person loan application information:
1, the basic type of information: such as the annual inspection by the annual inspection of the qualified business license (original, copy), etc.;
2, the business owner and related personnel information: such as legal representatives and spouses of the valid identity documents, etc.;
3, business situation materials, such as financial statements, bank account flow, etc.;
4, collateralized materials, such as proof of ownership of the proposed offset/pledge;
5, other materials required to handle the loan.
Question 6: How do I go about applying for a microenterprise loan? What qualifications are required? Small and micro-enterprise loans
The information to be prepared are:
First, business license, TISC code certificate, tax registration certificate;
Second, account opening license, loan card;
Third, a copy of the ID card of the legal representative of the enterprise, the enterprise legal representative of the major shareholders and senior management personnel;
Fourth, the articles of incorporation, Capital verification report or non-sole proprietorship enterprise of the shareholders of the relevant capital contribution agreement, joint venture agreement or partnership contract or agreement, etc.;
V. Settlement account details for the past one year;
VI. Financial statements for the past three years;
VII. Contracts and certificates related to financing.
Taofin loan process in five steps: online application for loans; staff telephone confirmation; consultant assessment; sent to the bank; bank release.
Question seven: how to handle the ICBC microenterprise loans How do microenterprises want to apply for ICBC loans, then what information needs to be prepared? Details are as follows: First, business license, TISC code certificate, tax registration certificate; Second, account opening license, loan card; Third, a copy of the legal representative of the enterprise ID card, the legal representative of the enterprise's main shareholders and senior management personnel's personal resume; Fourth, the articles of incorporation, capital verification report or non-sole proprietorship of the various shareholders of the relevant capital contribution agreement, pooling agreement or partnership contract or agreement, etc.; Fifth, the last year of settlement account details; six is the financial statements of the last three years; seven is the contracts and certificates related to financing. Of course, the specific provisions should be subject to ICBC regulations!
Question 8: How to apply for interest-free loans for small and micro-enterprises The biggest problem for them is the difficulty of financing, due to the small size and large number of small and micro-enterprises in this economic wave, the existence of small and micro-enterprises appears to be minimal, and the bank is more ignored them because there are better customers waiting for them. So micro and small enterprises want to apply for a loan from the bank, then how to apply? What are the specific steps? Preparation materials: micro and small enterprises to apply for loans conditions (information) 1, the enterprise's own scale of operation, financial loading analysis and trend forecasts 2, cooperation needs, plans and proposals 3, the product situation, the market situation, the situation of the scale of development of enterprises, the level of the same industry in the 4, the enterprise loan card (copy) 5, the business license of the legal person of the enterprise (has been annually inspected), enterprise legal person qualification certificate, enterprise organization code certificate Tax registration certificate, basic account opening bank account license, legal person ID card (all of the above are copies of the original), legal person resume 6, business cooperation in various commercial banks and the status of financing within the enterprise 7, the enterprise's three consecutive years of financial audit reports, the most recent financial statements (all need to be stamped with a financial) 8, corporate charter, legal person and the authorized person's signature and letter of authorization 9, business profile, relevant background information Basic information such as data 10, the articles of association, the enterprise board of directors list of specific steps: a. Application, basic information, auxiliary information, business operations must be information a. Credit application, the enterprise board of directors resolution (such as the articles of association requirements); b. Specific enterprise loan purposes and the direction of the use of funds (spending plan, the total amount of funds); c. Repayment of the source of the analysis (plans and measures), and repayment on the c. Analysis of repayment sources (plans and measures), and monthly cash flow analysis of repayment arrangements; d. Collateralization, other relevant legal documents, letters and telegrams, and so on. Second, for approval of the project credit assessment feasibility analysis comprehensive judgment pre-lending review third, sign the contract if the bank on the loan application review, that all of its compliance with the regulations, and agreed to lend, should be signed with the lender "lending contract". Fourth, the loan disbursement contract signed, the two sides in accordance with the contract to verify the loan. Financier can then handle the withdrawal procedures in accordance with the contract: withdrawal by the financier to fill in the withdrawal vouchers formulated by the bank in a unified manner. Here, I would also like to remind: small and micro-enterprises in their dealings with the bank, to make the bank absolutely assured of the security of the loan.
Question nine: How do banks define loans for small and micro enterprises? Conditions for enterprise loans:
1. Enterprises must be approved by the State Administration of Industry and Commerce to set up, register, and hold a business license.
2. The implementation of independent economic accounting, business autonomy, self-financing. That is, the right to engage in production and business activities independently; there are independent operating
operating funds, independent financial plans and financial statements; independent calculation of profit and loss, and sign purchase and sales contracts against the outside world.
3. A certain amount of own funds. If the enterprise does not have a certain amount of its own funds, in the event of a loss, the inevitable crisis of bank loans, is the loss of credit
loan funds.
4. Comply with the policies and regulations and bank credit, settlement management system, and in accordance with the provisions of the bank to open a basic account and general deposit accounts.
5. Production and operation are effective. The products produced and operated by the enterprise must be the market needs, marketable short-term products, which can bring benefits to the society and the enterprise
and improve the utilization rate of credit funds.
6. After obtaining the loan, the enterprise must also strictly fulfill the obligations stipulated in the contract.
7. Enterprises applying for loans should also meet the following requirements: the original interest payable and the maturity of the loan has been liquidated, not liquidated has been done by the lender recognized
repayment plan; the borrower should have been in the industrial and commercial sector for the annual inspection; in addition to the provisions of the State Council, the limited liability companies and joint-stock companies
The company's cumulative amount of investment in foreign equity interests has not exceeded 50% of the total net assets; borrower 50% of its total net assets; the borrower's gearing ratio meets the requirements for the loan; the ratio of the corporate owner's equity of the new project applying for a medium- to long-term loan to the total investment required for the project is not less than the state-regulated
capital ratio for investment projects.
Question 10: Why is it difficult for small and micro-enterprise loans Banks are certainly difficult to serve are large loans, small to see, and now the private sector lending is very convenient, but the cost is slightly higher.
The best microenterprise loans
1, the construction bank micro-express loan
In the construction bank small business finance under the road to growth, quick loan, small loans, credit loans four services, each service under the corresponding applicable microenterprises are not the same, need to choose according to their own situation.
2, micro-bank micro-industrial loan
Micro-industrial loan service under its door is provided for small and medium-sized micro-enterprises, the relevant enterprises can not need to pledge, the amount of immediately visible, interest accrued on a daily basis, up to a maximum of 3 million yuan can be borrowed, the repayment cycle of the longest period of 36 periods.
3, China Merchants Bank small micro flash loan
Small micro flash loan is a pure credit loan, for small and medium-sized business owners exclusive, can be up to 500,000 yuan, the specific can pay attention to the "China Merchants Bank personal loan" microblogging public number to check.
The criteria for a small business is generally less than 500 employees or annual sales of less than 10 million yuan;
The criteria for a processing small business is less than 300 employees or annual sales of less than 30 million yuan or total assets of less than 40 million yuan;
The criteria for a wholesaler small business is less than 100 employees or annual sales of less than 30 million yuan;
The criteria for a wholesale small business is less than 50 million yuan;
The criteria for a wholesaler small business is less than 50 million yuan. 100 or less or enterprise annual sales of less than 30 million yuan; retail small business standard is the number of employees in less than 100 or enterprise annual sales of less than 10 million yuan;
Transportation small business standard is the number of employees in less than 500 or enterprise annual sales of less than 30 million yuan; warehousing small business standard is the number of employees in less than 100 or enterprise annual sales of less than The standard for a small business in warehousing is less than 100 employees or annual sales of less than 10 million yuan.
As long as one of the above criteria for the number of employees or annual sales (total business assets) is met, it can be recognized as a small business.
Application conditions
1. In line with national industrial and trade policies, not a highly polluting or energy-consuming small enterprise;
2. Good credit standing with commercial banks and no bad credit record;
3. Approved and registered by the Administration for Industry and Commerce and business licenses that have passed annual inspections, and loan cards issued by the People's Bank of China that have passed the normal annual inspection. Loan card;
4. Have the necessary organizational structure, business management system and financial management system, have a fixed basis and place of business, legal business, product market and benefit;
5. Have the ability to fulfill the contract, debt repayment, repayment will be good, no bad credit record, credit asset risk classification of the normal category or non-financial factors affecting the category of concern;
6. Business operators or actual controllers with more than 3 years of experience, good quality, no bad personal credit records;
7. Stable business operations, established in principle for 2 years (or more), with at least one or more fiscal year financial reports, and 2 consecutive years of sales revenue growth, gross profit is positive;
8. In line with the establishment of small business and Business-related industry credit policies;
9. Ability to comply with national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account in the applicant bank.
What are the requirements for a microenterprise loan?
I. Conditions:
1. Sufficient cash flow of funds
2. Good credit of the owners of micro and small enterprises
3. Businesses that have been successful for more than two years
4. Ability to provide effective proof of financial resources
5. The owners of micro and small enterprises have a strong willingness to repay the loan and the ability to repay the loan in full and on time
6. Other conditions required by the bank
Second, according to the term of the loan is divided into: short-term loans, medium-term loans and long-term loans
1, short-term loans: refers to the loan term of 1 year (including) or less
2, medium-term loans: refers to the loan term of 1 year (excluding) to 5 years (including)
3, long-term loans: refers to the loan term of 5 years (including) or less
3, long-term loans: refers to the loan term of 5 years (including) or less
5. loans with a maturity of 5 years or more
Expanded Information:
Enterprise loans can be divided into: working capital loans, fixed asset loans, credit loans, secured loans, etc.
One, small and micro-enterprises to apply for credit loans process:
1, the application
① credit application, enterprise board resolution (such as the company's articles of incorporation requirements)
② The specific purpose of the loan and the direction of the use of funds (spending plan, the total amount of money spent).
③ Repayment source analysis plan and measures, and make monthly cash flow analysis on the repayment of the financial arrangements.
④Collateral, other relevant legal documents, letters and telegrams, etc.
2, review
①Project
②Credit assessment
③Feasibility analysis
④Comprehensive judgment
⑤Pre-credit review
3, signing the contract if the bank review of the loan application, that all of it comply with the regulations and agree to lend, it should sign the Lending Contract with the lender
4, Loan Disbursement
After the signing of the contract, both parties verify the loan in accordance with the provisions of the contract. The financier can then proceed with the withdrawal procedures according to the contract: the withdrawal will be made by the financier to fill in the withdrawal vouchers formulated by the bank in a unified manner, and then go to the bank for the withdrawal procedures