1. Choose a good enterprise loan type.

Pure credit: tax loan and invoice loan.

Mortgage loan: operating mortgage loan

2. Look at your own business situation.

Establishment time: the minimum establishment time for corporate loans of general banks is over 1 year, and generally it is between 1-3 years;

Company size: Many products will set different quotas according to different scales and industry support policies, and some enterprises can enjoy preferential policies such as discount, quota increase, etc., such as enterprises that recruit disabled people, accept veterans' employment, or enterprises that meet other standards;

Business data: generally, the business process, tax payment data and invoice data of the enterprise are used as the reference for credit granting. The better the data, the higher the credit line;

Bad record: whether the enterprise has execution record or judicial record (defendant), if so, it is likely to be refused a loan, and high-interest products are more tolerant of this qualification;

Industry: whether it belongs to forbidden industries (such as three highs and one limit, finance, entertainment, teaching and training, etc.). ), different banking products have different restrictions on the industry, so you can read the detailed product introduction before applying to avoid wasting credit information;

Location: Many bank products have geographical restrictions. You can read the detailed product introduction before applying to avoid wasting credit information.

3. Conditions of opinion person/shareholder.

Age of legal person: For corporate loan products of general banks, the applicant is required to be a corporate legal person or a shareholder with more shares, and must be 18 years of age or older. In fact, most banks require them to be over 20 years old;

Legal person's credit investigation: Credit investigation is the key investigation, and it is best to have no overdue records, frequent inquiry records and white households. Products with high interest rates in the market have relatively loose requirements for credit reporting. The bottom line is that a large amount of money cannot be overdue for more than three times in a row, no more than three times in one month, no more than five times in two months and no more than eight times in three months.

Mortgaged property right: If the husband and wife jointly own real estate, they need to check the spouse's credit information when handling mortgage loans. Some products will relax access requirements, and assets under shareholders' names can also be mortgaged;

4. Determine the products and application methods.

At present, there are two ways: offline application and online application. The advantage of online application is that it does not need paper documents, but can be operated on a computer or mobile phone according to the process guidance, which is convenient for application and has many choices. If you have questions about your qualifications, you can communicate in time.

How do small and micro enterprises borrow money?

I. Conditions:

1, with abundant cash flow.

2. Small and micro business owners have good credit.

This enterprise has been very successful for more than two years.

4. Be able to provide effective financial proof.

5. Small and micro business owners are willing to repay and have the ability to repay in full and on time.

6. Other conditions required by the bank.

Second, the process of small and micro enterprises applying for credit loans:

1. application

① Credit application and resolution of the board of directors of the enterprise (as required by the articles of association)

(2) the specific purpose of enterprise loans and the direction of capital use (plan and total amount of funds).

③ Analyze repayment plans and measures, and analyze the cash flow of repayment funds every month.

(4) Mortgage situation, other relevant legal documents and letters, etc.

Step 2 review

(1) project

② Credit evaluation

③ Feasibility analysis

④ Comprehensive judgment

⑤ Pre-loan review

3. After reviewing the loan application, the contracting bank considers that all of them meet the requirements and agree to the loan, and shall sign a loan contract with the lender.

4. Lending

After the signing of this contract, both parties shall verify the loan as agreed in the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.

Extended data:

Solve the loan problem of small and micro enterprises;

First of all, all participants should focus on inclusive finance as a strategy. Put forward the development strategy of inclusive finance. Further strengthen the supply of financial resources, talents and technical support, arrange the scale of special loans, support incentive fees, and build a top-down organizational system in inclusive finance. Nearly10.5 million outlets in the whole bank can provide services for small and micro enterprises, which is real.

Second, make good use of financial technology to solve the financing problem. Through financial technology, a new service model with data, accuracy, automation and intelligence has been created.

The first is to use big data technology to solve the problem of information asymmetry. Based on the "new generation" core system of CCB, we will integrate the information of small and micro enterprises and business owners, widely connect with external public information such as taxation, industry and commerce, evaluate customer credit, and obtain customers in batches accurately.

The second is to rebuild business processes and create a "three ones" credit model. Innovate "small and micro fast loans", realize automatic approval, and build a credit model of "one-minute" financing, "one-stop" service and "one-price" charging, so as to improve financing efficiency and reduce comprehensive costs.

The third is to implement intelligent risk management and control. The risk bottom line and risk control standards are embedded in the system, and the whole process risk control mechanisms such as big data selection and risk control, risk elimination of modeling system, intelligent early warning and risk avoidance are established. At present, "micro-fast loan" has provided loans of more than 530 billion yuan to more than 450,000 customers, 80% of which are credit loans, and the non-performing rate has remained at a low level.

Third, continuously enrich the service connotation and expand the service extension. Build an open platform, integrate inclusive services into the production and life scenes of small and micro enterprises, and provide services such as industry and market inquiry, transaction matching and mergers and acquisitions.