The factors that affect the success of enterprise loan include enterprise financial status, enterprise credit, enterprise type and the comprehensive strength of enterprise owners. 1, enterprise financial status The reason why it is difficult to study small business loans is because banks don't trust the repayment ability of small businesses, so the financial status of enterprises plays a decisive role. If the enterprise's income is stable and there are more fixed assets, the greater the chance of loan approval. 2. Corporate Credit For unsecured loans of enterprises, corporate credit is the key factor, and banks will consider it from four aspects, namely: bank credit, commercial credit, financial credit and tax credit. If the enterprise's credit meets the requirements of the bank in all aspects and there is no credit stain, it is relatively easy to apply for a small business loan. 3. Type of enterprise Banks will also consider the business projects that enterprises are engaged in. If the business project is profitable or belongs to high-tech projects, it is relatively easy to apply for loans. 4. The comprehensive strength of business owners should consider the information base of business owners' personal credit records and personal assets, which is also a part of the factors affecting corporate loans.