Compared with personal loans, corporate loans are much more complicated, and it takes a long time to apply, review and wait for the next payment. It may take several months from application to final payment. However, the advantages of corporate loans are also obvious, with ultra-low interest and high amount, which is much less than the cost of private loans. So what information does the company need to prepare to apply for a bank loan on 20 18?

I. Application Process

Opening an account → applying for a loan → investigating the loan of the account manager → examining and approving → signing a loan contract → executing a mortgage, pledge contract or other guarantee contract → lending → loan management → recovering the loan at maturity.

Second, the application materials

1. The company needs to provide basic information that can prove the basic situation of the enterprise, including the annual business license of legal person, organization code certificate, capital verification report, articles of association, identity certificate of legal representative or power of attorney and identity certificate of authorized agent, and the resolution of the board of directors or management organization to apply for loan;

2. Accounting statements audited by accounting firms and accounting statements for one month of loan application;

3. List of collateral (pledge) and proof that the person with the right to dispose of it agrees to the collateral (pledge), and relevant documents that the guarantor intends to agree to guarantee;

4. The company's annual card.

5. The copy submitted to the bank must be stamped with the official seal, and the materials submitted must have the authorization document of company financing. The company's articles of association will stipulate that the company's major decisions need to be recognized by the company's internal institutions. For example, some decisions are made by the board of directors, some by the general manager of the company, and some by the legal representative. Generally speaking, the company's financing needs the decision of the board of directors, so the company should provide the board resolution.

In short, the company must pay attention to its debt ratio and financial situation. Once the bank thinks that the corporate debt ratio is too high, the repayment risk will be greater, so it will be more difficult to apply for bank loans. Generally speaking, the company's asset-liability ratio is less than 70%.