1. To apply for a corporate loan, the following conditions must be met: 1. It conforms to the national industrial and industrial policies 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 passed the annual inspection, holding a loan card issued by the People's Bank of China and passing the normal annual inspection; 4. It has the necessary organizational structure, management system and financial management system, has a fixed foundation and business premises, operates legally, and the 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 is 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. Abide by the policy of establishing industry credit related to small enterprises; 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.

2. The information that small and medium-sized enterprises need to provide when applying for loans is as follows: the name, contact number, mobile phone, fax, contact address, postal code, website address and email address of the specific manager, and the following materials: 1 Original and duplicate of business license; Enterprise name and business address (province, city and county) 2. Original and photocopy of organization code certificate; 3. Original and photocopy of tax certificate; 4. A copy of the account opening permit; 5. Copy of the loan card and password (or copy of the query result of the loan card); 6. A copy of the original ID card of the legal representative; Work experience (work experience and position) of the legal representative; 7. Legal person's employment certificate and legal person's resume; The power of attorney of the authorized agent and the original and photocopy of the agent's ID card; 8. Ownership structure (shareholder name, shareholder proportion), registered capital of the enterprise, time of establishment, net assets and total assets of the enterprise (ten thousand yuan); 9. A copy of the Articles of Association; Introduction of the company's business development (mainly explaining the business development mode, settlement mode and the competitiveness of products in technical quality); 10. Copy of capital verification report; The audited financial statements of the company in the last three years (including complete notes) and the financial statements in the last three months; 1 1. Property area, purchase value (ten thousand yuan) and location of the property (province, city and county); 12. The most important equipment name, the most important equipment quantity, the most important inventory name and the most important inventory quantity; 13. Accounts receivable (ten thousand yuan); 14. Total bank loans (ten thousand yuan) and other loans (ten thousand yuan); 15. Total loan amount (ten thousand yuan), project purpose and feasibility report; 16. Guarantees that can be provided (proof of ownership of residential mortgage, store mortgage, industrial plant, enterprise guarantee, inventory pledge, accounts receivable pledge, etc.). ); Counter-guarantee measures to be provided; Loan application; 18. The resolution of the shareholders' meeting or the resolution of the partners' meeting when the enterprise decides to apply for loan guarantee; 19. Original and photocopy of the production and operation license for special industries; 20. basic account Bank.

How do small and micro enterprises borrow money from banks?

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.

How do small and micro enterprises borrow money?

First, small and micro enterprises submit loan applications to the bank credit department, and issue enterprise credit certificates and related materials that can be used as guarantees, such as company running water and tax payment certificates.

Second: sign a loan contract and related guarantee contract with the bank. After the enterprise's loan application is approved by the bank, the bank and the enterprise need to sign all relevant legal documents.

Third, implement and improve the guarantee procedure according to the conditions agreed in the contract.

Fourth: issue loans. After all the formalities are completed, the bank will issue loans to the enterprise as soon as possible, and the enterprise can control the loan funds according to the pre-agreed purposes.

At the same time, we should also pay attention to the following issues:

First: Choose the right bank. Because banks lend to small and micro enterprises, the income is very low, the risk is very high, and the bad debt rate is very high. Insufficient repayment ability of small and micro enterprises is a great hidden danger, so most banks have a bad impression on small and micro enterprises and have low trust. Some banks are generally difficult to lend, and some banks just love small and micro enterprises. Therefore, it is very important to choose a suitable bank when lending, which can not only save a lot of time and energy, but also the amount of loans varies widely.

Second, choose the appropriate credit varieties. Because most small and micro enterprises' product orders, inventory and sales volume are not fixed, there is no complete liquidity chain, there is a lack of effective and valuable collateral, and traditional loans tend to be conservative, so it is difficult to meet the urgent needs of small and micro enterprises in terms of loan approval quota and repayment constraints. At this time, it is particularly important to choose the appropriate credit varieties. Credit cards and e-commerce loans are tailored for small and micro enterprises.

Third: Common loan channels.

1. Mortgage loan

Generally, mortgage property is used to borrow money from banks. Collateral is usually the machine or factory building of the enterprise. The loan amount can generally reach about 70% of the assessed value, and the bank's approval process is faster. The general approval and issuance period is one month. The loan period is one to five years.

2. Credit loan

That is, enterprises do not apply for mortgage loans, and obtain bank loans by virtue of their own business ability and credit without providing collateral. In this enterprise credit loans way, the bank's audit conditions will be more stringent. The loan term is also long, and the loan term is 1-3 years.

3. Joint guarantee by merchants is also a loan method. But the loan amount is not high. Merchant joint guarantee is a joint guarantee group composed of three individual industrial and commercial households or sole proprietorship owners with business licenses. They can apply for a loan from the bank without other guarantees. Generally speaking, each merchant can borrow 6,543,800 yuan (200,000 yuan in some areas), and the loan period is 654.38+ 0-3 years.

Excuse me, how to apply for a small and micro enterprise loan?

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.

I would like to ask how small and micro enterprises can get loans.

1. The borrower submits an application for personal business loan to the lending institution.

2 lending institutions will file the application materials.

3. Lending institutions shall review the materials classified into archives.

4. After approval, the borrower signs the contract.

5. The borrower implements the guarantee conditions and the lending institution lends money.

6. The borrower repays the loan according to the contract.