1. Preparation materials: The materials to be prepared for enterprise loans are divided into main materials and auxiliary materials. The main materials include business license, business license, account opening permit, legal person ID card, loan application, etc. Auxiliary materials need to provide the financial statements, enterprise assets, tax bills and bank statements of the applicant enterprise in the past three years. For enterprise asset mortgage loans, it is also necessary to provide collateral ownership certificate and asset evaluation certificate. 2. Submission of materials and applications: For enterprise loans, you need to submit an application at the enterprise loan window and wait for the approval result after submission. 3. Bank approval: For corporate loans, the bank has strict examination and a set of standard approval procedures. In the audit process, not only will the provided information be verified one by one, but also the quality, economic strength, credit information, development prospects and profitability of the enterprise will be evaluated. Finally, the credit rating is given, and the loan amount and term are verified according to the credit rating. 4. Loan signing: If the application is approved, the bank will inform the enterprise to sign the contract soon, and the agent needs the enterprise to provide the entrustment certificate. The terms of the enterprise loan contract are basically the same as those of the individual loan contract, mainly including the purpose, type, amount, interest rate, term and repayment method of the loan. In addition, it will also indicate the rights and obligations of the borrower and the borrower, the liability for breach of contract and other matters that both parties think need to be agreed. After the contract is signed, the bank will transfer the loan to the account stipulated in the contract.

The above is the enterprise loan process, which is basically the same, but the enterprise loan review is more strict. If the business is in good condition and there is no bad credit record, the chances of successful application will be high.