Hello! The loan process for small and micro enterprises is as follows:

1. The enterprise applies for a working capital loan from the bank and provides relevant materials of the enterprise and the guarantor (if necessary).

2. Sign loan contracts and related guarantee contracts. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.

3. Implement the guarantee according to the agreed conditions and improve the guarantee procedures. If the enterprise is required to provide guarantee according to the bank's approval conditions and the signed guarantee contract, it is necessary to further implement specific guarantee measures such as third-party guarantee, mortgage and pledge, and complete relevant guarantee procedures such as mortgage registration and pledge delivery (or registration). If you need notarization, you also need to perform notarization procedures.

4. Issue loans. After all the formalities are completed, the bank will issue loans to the enterprise in time, and the enterprise can reasonably control the loan funds according to the loan purpose agreed in advance.

Materials to be prepared for SME loans:

The materials required for the application include: business license, tax registration certificate, business flow in the last three months, personal bank flow, office space lease contract or property ownership certificate, special business license, etc. , reflecting the operation of the enterprise; Joint-stock enterprises also need to provide a resolution that more than 2/3 shareholders agree to the loan. In addition, the legal representative also needs to provide his identity card, proof of address and proof of residence in the last six months.

Matters needing attention in SME loans:

Small and medium-sized enterprises that need loans must meet the following conditions:

1. The main business place of the enterprise is in the local area;

2. The property right relationship of the enterprise must be clear;

3. The enterprise has no bad credit record;

4. The production and operation projects conform to the national industrial policies and laws and regulations;

5. Other conditions of the lending institution.

What are the basic conditions for SMEs to borrow from banks?

Conditions for small and medium-sized enterprise credit loans:

1. The enterprise has been established for at least three years.

2. The invoiced amount in the last six months is not less than 6.5438+0.5 million.

3. It has a fixed business place and is in good financial condition.

4. Other relevant conditions required by the bank. Term and amount of loan: generally, the amount in enterprise credit loans is10-1million, and the loan term is 1-3 years.

Loan application materials:

1. Basic information of the enterprise: business license, organization code certificate, tax registration certificate, company profile or organization documents, etc.

2. The identity certificates of the legal representative of the enterprise and key personnel of the company, and the identity cards or passports of shareholders holding more than 15% of the shares, etc.

3. Property right certificate or lease contract of business premises such as factory buildings, offices and warehouses.

4. The financial statements of the enterprise in the past two years (balance sheet, income statement and cash flow statement) and the bank statements and financial vouchers in the past six months (such as the summary table of professional invoices for enterprise value-added tax). ).

5. Loan certificate (card) issued by China People's Bank.

6. Other information required by the bank.

Loan application procedures:

1. Small and medium-sized enterprises apply for loans: applicants need to provide business licenses, tax registration certificates, organization code certificates, loan cards, recent financial statements and other materials that have passed the annual inspection.

2. Credit review and loan review of lending institutions.

3. The loan enterprise signs a contract with the loan institution.

4. Lending institutions issue loans.

How do small and medium-sized enterprises borrow money from banks

Enterprises can borrow money from banks according to the following steps:

1. Submit a loan application to the bank and complete loan information;

2. Banks accept loans and approve loans;

3. After approval, both parties sign a loan contract, guarantee the original contract and go through the mortgage formalities;

4. After all the procedures are completed, the bank will issue loans;

5. The borrowing enterprise shall repay the loan in full and on time as stipulated in the contract.

Extended data:

Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation.

Enterprise loan conditions:

1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;

2. The enterprise has a good reputation in various commercial banks and has no bad credit record;

3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;

4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;

5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;

6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;

8, in line with the establishment of small business related industry credit policy;

9. Abide by national financial regulations and policies and relevant bank regulations;

10. Open a basic settlement account or a general settlement account with the applicant bank.