3 credit conditions: no delinquent bad record
4 other conditions: local property
5 other restrictions: entertainment, steel trade and other high-risk industries are not allowed to enter
a, enterprise loan application information (legal person)
① annual inspection by the annual inspection of the qualified business license (front, copy)
② legal representatives and spouses of effective Identity documents
③ financial statements, bank account current
④ proof of ownership of the collateral
⑤ other materials required for the loan
Two, enterprise loan is the enterprise in order to production and management needs, to the bank or other financial institutions in accordance with the prescribed interest rate and term of a form of borrowing. Enterprise loans are mainly used for the purchase of fixed assets, technological transformation and other large long-term investment. Enterprise loans can be divided into: working capital loans, fixed asset loans, credit loans, secured loans, stocks, foreign exchange, unit term deposit, gold, syndicated loans, bankers' acceptances, bankers' acceptances discounting, commercial acceptances discounting, buyer or agreement to pay interest on bills discounting, recourse domestic factoring, export tax rebate account trustee loans.
Third, credit loans
Credit loans are loans issued by banks on the basis of the borrower's creditworthiness, and the borrower is not required to provide security.
By loan period is divided into: short-term loans, medium-term loans and long-term loans.
1, short-term loans: refers to the loan period of one year (including) within the loan.
2, medium-term loans: refers to the loan period of 1 year (excluding) to 5 years (including).
3, long-term loans: refers to loans with a loan term of 5 years (excluding) or more.
4, fixed assets
Fixed asset loans are medium- and long-term loans issued by banks to borrowers for investment in fixed asset projects.
By the purpose of the loan is divided into capital construction loans and technological transformation loans:
1, capital construction loans: refers to the medium- and long-term loans for capital construction projects approved by the authorized authorities. Capital project refers to a general design, by - one or several individual projects or the sum of the projects, including new projects, expansion projects, plant-wide relocation projects, restoration and reconstruction projects.
2, technological transformation loans: refers to the authorization of the authority approved by the technical transformation projects in the medium and long term loans. Technological transformation project refers to the original production and operation of enterprises on the basis of the use of new technologies, new equipment, new processes, new materials, the promotion and application of scientific and technological achievements in the renewal and transformation projects.
How to apply for a business loan?
Choose a good type of business loan
Pure credit: tax loans, invoice loans
Mortgage loans: operating mortgage loans
Look at the conditions of your own business
Establishment time: the general bank's business loan requirements for the minimum time of establishment are more than 1 year, the general requirement is between 1-3 years;
Company size: many products will be based on different sizes and industry support policies to develop different amounts of products, some companies can enjoy policy discounts to increase the amount of credit and other concessions, such as recruiting disabled people, receiving retired military personnel employment of the enterprise or meet other criteria can be;
Operational data: generally are the enterprise's operating water, tax data, invoice data as a reference for the granting of credit, the better the data the better the credit. The better the data, the higher the credit limit;
Bad record: whether the enterprise has a record of being executed or a judicial record (defendant), if so it is likely to be refused a loan, high-interest rate products are more tolerant of this piece of qualification;
Industry: whether it is a prohibited industry (such as the three high and one limited, finance, entertainment, education and training, etc.), different bank products on the industry restrictions are different, you can look at the introduction of the product before you start. You can read the detailed product description before applying, to avoid wasting credit;
Location area: many bank products are regional restrictions, you can read the detailed product description before applying, to avoid wasting credit;
Look at the conditions of the legal person/shareholder
Legal person age: general bank business loan products require the applicant to be the legal person of the enterprise or shareholders, the age must be 18 years old or above, the age of the applicant must be the age of the legal person of the enterprise or shareholders. Shareholders, the age must be over 18 years old, in fact, most banks are required to be over 20 years old;
Corporate credit: credit is the focus of the review, it is best not to have late records, frequent inquiries and white accounts. But there are high interest rate products in the market is more relaxed credit requirements, the bottom line is that there can not exist more than 3 consecutive times more than a large amount of overdue, credit loans, credit card approval inquiries in a month can not be more than 3 times, 2 months can not be more than 5 times, 3 months can not be more than 8 times.
Mortgage rights: if a husband and wife **** the same property, for mortgage business loans also need to query the spouse's credit, some products will relax the access requirements, the assets under the name of the shareholders can also be mortgaged;
Determine the product and application methods
Currently there are two ways to apply for the offline and purely online, the advantage of the purely online way is that there is no need for paper documents, according to the process guidelines in the computer or cell phone operation can be, easy to apply, optional, if you have questions about their qualifications can be communicated in a timely manner.
What are the requirements for a business credit loan application?
1, enterprise customer credit rating of at least AA- (including) above;, the enterprise was established more than 3 years and good business conditions;, the applicant for enterprise credit loan applicants with good credit, the last three months of personal loan no overdue records;, enterprise business management standard, no debt evasion, interest arrears and other bad credit records;, enterprise business income profits in recent three years Continuous growth;, enterprise gearing ratio control in the range of 60% of the good value, cash flow is sufficient and stable;, apply for enterprise credit loans in the last six months of the invoicing amount in the last 1.5 million;, the enterprise needs to have the annual statement of the last two years, the invoices of the last six consecutive months, as well as the most recent month's monthly statement;, the enterprise promises not to use its effective business assets to others to set up against (pledge) or external Provide a guarantee, before that to obtain the consent of the lending bank; only to meet these conditions, to be eligible to apply for enterprise credit loans. In addition, although the enterprise loan does not need collateral, but some banks still need enterprises to provide security. The types of guarantees include collateralized guarantees, pledged guarantees, natural person guarantees, guaranteed company guarantees and other company guarantees. In addition, the conditions for business credit loans vary from institution to institution, so if you want to apply for a business credit loan, you can directly consult your local bank or lending institution.
How to apply for small and medium-sized enterprise loans
Applying for an enterprise loan should meet the following conditions: 1. conform to the national industrial and trade policies, and do not belong to the high-pollution, high-energy-consuming small enterprises; 2. the enterprise is in good standing in the various commercial banks, and there is no bad credit record; 3. have the approval of the industrial and commercial administration department for registration. And annual inspection of the business license, issued by the People's Bank of China and the normal annual inspection of the loan card; 4. Have the necessary organizational structure, business management system and financial management system, have a fixed basis and place of business, legitimate business, product markets, benefits; 5. Have the ability to fulfill the contract, repayment of debts, good will to pay back the money, no bad credit records, credit asset risk classification for normal or non-financial factors Influence of concern; 6. business operators or actual controllers in more than 3 years of experience, good quality, no adverse personal credit records; 7. stable business operations, the establishment of the principle of 2 years (including) or more, at least one or more fiscal year financial reports, and two consecutive years of growth in sales revenues, gross profit is positive; 8. in line with the establishment of small business and industry credit policy; 9. able to comply with national financial laws and regulations, and the credit risk of the credit assets classified as normal or non-financial factors. 9. Comply with national financial laws and policies and relevant bank regulations; 10. Open a basic settlement account or general settlement account in the applicant bank. Second, small and medium-sized enterprises to apply for loans need to provide the following information as follows specific operator's name, contact number, cell phone, fax, contact address and zip code, website, Email also provide the following materials: 1. business license is a copy of the original, a copy of the business; business name, business address (province, city, county) 2. organization code certificate is a copy of the original, a copy of the tax certificate is a copy of the original, a copy of the tax certificate; 4. account opening A copy of the license; 5. A copy of the loan card and password (or a copy of the loan card query results); 6. A copy of the original ID card of the legal representative; legal representative of the work history (work experience and positions held); 7. Proof of tenure of the legal person, the legal person's curriculum vitae;. Authorized agent's power of attorney and the agent's original identity card and a copy; 8. Shareholding structure (shareholder names, shareholders), registered capital, establishment time, net assets, total assets (million); 9. A copy of the articles of association; the company's business development (mainly explaining the way the business is carried out, the settlement method, the product's competitiveness in terms of technology and quality); 10. A copy of the capital verification report;. The company's audited financial statements for the past three years (including complete notes), the financial statements for the past three months; 11. Property area, purchase value (million yuan), the location of the property (provinces, cities, counties and districts); 12. The name of the most important equipment, the number of the most important equipment, the name of the most important inventory, the number of the most important inventory; 13. Accounts receivable (ten thousand yuan); 14. Total amount of bank borrowings (ten thousand yuan), total amount of other borrowings (yuan); 15. the total amount of the loan (yuan), the purpose and the feasibility of the project report; 16. can be provided in the form of security (residential mortgage, store mortgages, industrial plants, corporate guarantees, inventory pledges, accounts receivable pledge and other ownership certificates); proposed counter-guarantee measures; 17. loan application; 18. enterprise decided to apply for a loan guarantee of shareholders' meeting resolution or resolution of the meeting of partners; 19. special industry production license. 19. The original and copy of the special industry production and business license; 20. Basic account opening bank.