It is required to 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. It is suggested to consult Mo Long in detail about this loan. Mo Long is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages.
Bank requirements and 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) Having a fixed business place; In good financial condition.
(4) Other relevant conditions required by the bank. The loan term and amount of small and medium-sized enterprise credit loans are generally10-100000 yuan; The loan term is generally 1-3 years.
Small and medium-sized enterprises have difficulty in obtaining bank loans because of their small funds and small business scale, and it is difficult to provide mortgages and pledges required by banks, and it is also difficult to obtain credit guarantees from third parties.
For more information about the loan, please consult Moore Long. Moerlong has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and providing tens of billions of yuan in loan services to various customers every year. Focusing on the financial core risk control technology, based on AI algorithm and driven by data, Mo Long continues to carry out deep learning model training, providing big data risk control support for mortgage, car loan and credit loan business systems, and providing intelligent brain and tool support for product design and risk control in all scenarios of the whole industry. The major is worth choosing.
What are the channels for SME loans?
1. Upstream and downstream channels: Small enterprises can seek loan opportunities from the upstream and downstream of the industrial chain. If you are a dealer of a well-known brand car, you can use the credit and guarantee of upstream manufacturers to obtain loans. If it is a material supplier of a leading enterprise, you can also use the order to go to the bank for order pledge.
2. Policies: At present, the state is vigorously supporting small and medium-sized enterprises, and has successively introduced many preferential policies. Small business bureau and industrial and commercial bureau usually have relatively complete bank credit information. Some departments will introduce enterprises to join a loan project combining bank and securities, and some will provide guarantees for small business loans by setting up guarantee institutions.
3. Financial institutions: Loan information can be obtained from various commercial institutions, as well as from the Development Zone Management Committee, Chamber of Commerce and trade associations in the Development Zone or Science Park. Some commercial institutions will also set up joint loan projects with banks, and commercial institutions will provide guarantees for their small business loans.
4. Local channels: If it is a member of a county-level industrial cluster or a local advantageous characteristic industry, enterprises can also apply for loan varieties such as joint guarantee loans by virtue of the advantages of related enterprises.
Extended data:
What are the loan methods for SMEs?
I. Comprehensive Credit Granting
In other words, for some enterprises with good operating conditions and reliable credit, a certain amount of credit line is given within a certain period of time, and enterprises can recycle the credit line within the validity period and scope. The comprehensive credit line shall be declared by the enterprise at one time and approved by the bank at one time. Enterprises can use the money by stages according to their own business conditions, which is very convenient for enterprises to borrow money and saves the loan cost. Banks provide loans in this way, generally for enterprises in industrial and commercial registration that have passed the annual inspection, are well-run, have a reliable reputation and have long-term cooperative relations with banks.
Second, the credit guarantee loan
In 3 1 provinces and cities, more than 100 cities have established credit guarantee institutions for SMEs. Most of these institutions implement the form of membership management, which belongs to public service, industry self-discipline and self-non-profit organizations. The sources of guarantee funds are generally composed of financial allocations from local governments, member funds voluntarily paid by members, funds raised by the society and funds from commercial banks. When a member enterprise lends money to a bank, it can be guaranteed by a small and medium-sized enterprise guarantee institution. In addition, SMEs can also seek guarantee services from guarantee companies specializing in intermediary services. When the enterprise cannot provide the guarantee measures acceptable to the bank, such as mortgage, pledge or third-party credit guarantor, the guarantee company can solve these problems. Because compared with banks, guarantee companies have more flexible requirements for collateral. Of course, in order to protect their own interests, guarantee companies often require enterprises to provide counter-guarantee measures, and sometimes guarantee companies will send personnel to enterprises to monitor the flow of funds.
Third, the project development loan
Some high-tech small and medium-sized enterprises can apply for project development loans from banks if they have major scientific and technological achievements transformation projects. The initial investment is relatively large and their own funds are unbearable. Commercial banks will give active credit support to small and medium-sized enterprises with high-tech products or patent projects with mature technology and good market prospects, as well as small and medium-sized enterprises that use high-tech achievements to carry out technological transformation, so as to promote enterprises to accelerate the transformation of scientific and technological achievements. For high-tech small and medium-sized enterprises that have established stable project development relations with universities and scientific research institutions or have their own research departments, banks can provide project development loans in addition to working capital loans.
Four, natural person secured loans
Natural person guarantee can take three ways: mortgage, pledge of rights and mortgage plus guarantee. Property that can be mortgaged includes personal property, land use right and means of transportation. Personal property that can be pledged includes savings deposit certificates, voucher-type government bonds and registered financial bonds. Mortgage plus guarantee refers to the joint liability guarantee of the mortgagor on the basis of property mortgage. If the borrower fails to repay all the principal and interest of the loan on schedule or commits other breach of contract, the bank will require the guarantor to fulfill the guarantee obligation.
Verb (abbreviation of verb) personal entrusted loan
Commercial banks such as China Construction Bank, Minsheng Bank and CITIC Industrial Bank have successively launched a new loan business-personal entrusted loan. That is, a loan that is entrusted by an individual to provide funds and issued, supervised, used and assisted by a commercial bank according to the loan object, purpose, amount, term and interest rate determined by the client. The basic procedures for handling personal entrusted loans are:
The client applied for a loan from the bank.
Banks choose and match according to the conditions and requirements of both parties, and recommend them to customers and borrowers respectively.
The client meets the borrower directly to negotiate and make a decision on the loan amount, interest rate, loan term, repayment method and other specific matters and details.
After negotiating the requirements, the borrower and lender go to the bank together and sign the entrustment agreement with the bank respectively.
The bank investigates the borrower's credit status and repayment ability and issues an investigation report, and then the borrower and the borrower sign a loan contract and issue the loan after approval by the bank.
Intransitive verb discount bill loan
Bill discount loan refers to the transfer of commercial bills to banks by bill holders, after deducting discount interest. In China, commercial paper mainly refers to bank acceptance bills and commercial acceptance bills. One advantage of this loan method is that banks do not lend money according to the asset size of enterprises, but according to market conditions (sales contracts). When an enterprise receives a bill, it usually takes as little as tens of days and as much as 300 days until the bill is cashed, during which time the funds are idle. If enterprises can make full use of bill discount, it is much simpler than applying for a loan, and the loan cost is very low. Discounting bills can only be done in the bank with the corresponding bills, which can generally be completed within three working days. For enterprises, this is "using tomorrow's money to earn the money the day after tomorrow", which is worthy of extensive and active use by small and medium-sized enterprises.
Seven, pawn loans
Pawn is a kind of loan method that takes real objects as collateral and obtains temporary loans in the form of real object ownership transfer. Compared with bank loans, pawn loans have high cost and small loan scale, but pawn also has incomparable advantages over bank loans. First of all, compared with the bank's almost harsh requirements for the borrower's credit conditions, the pawnshop's credit requirements for customers are almost zero, and the pawnshop only pays attention to whether the pawned items are genuine. Moreover, general commercial banks only pledge real estate, while pawn shops can pledge both movable property and real estate. In fact, in addition to pawn shops, small loan service agencies, guarantee companies, companies and other institutions are also developing vehicle mortgage loans.
Eight. intellectual property
Intellectual property refers to the fact that small and medium-sized enterprises apply for financing from banks after evaluation with the legally owned patent rights, trademark rights and property rights in copyright. Due to the particularity of the implementation and realization of intellectual property rights such as patent rights, only a few banks provide financing facilities for some small and medium-sized enterprises, and generally need the legal representative of the enterprise to take out insurance. Nevertheless, those excellent SMEs with independent intellectual property rights can still try.
What are the loan types for SMEs?
Generally speaking, SME loans are divided into mortgage loans and.
As far as the current situation is concerned, the main sources of loan financing for ordinary small and medium-sized enterprises are three aspects:
I. Banks
Features: complicated loan procedures, high credit threshold, limited use of funds, long approval period and low interest. Suitable for small and medium-sized enterprises with good credit, certain scale and long-term support.
Although many banks provide fast loan services, they still cannot meet the financing needs of ordinary small and medium-sized enterprises. For example, the fast loan service for small and medium-sized enterprises launched by Industrial and Commercial Bank of China and Bank of Beijing still stipulates the use scope of funds, and the loan time is still relatively long.
Second, pawn shops.
Features: the loan procedure is simple, there is almost no threshold, the scope of fund use is unrestricted, the loan can be made on the same day at the earliest, and the loan method is flexible, but the interest is higher than the bank interest. Pawn mortgage loans mainly take physical objects as collateral, and pay attention to whether the pawned items are genuine.
Suitable for ordinary small and medium-sized enterprises in the short term. For example, the SME loan service launched by Huaxia Pawnshop and Minsheng Pawnshop can be released within 2-3 working days. It greatly facilitates the short and medium term of small and medium-sized enterprises.
Third, private lending.
Features: In addition to the highest loan interest rate and relatively high risk, there is also a credit guarantee. Other features are basically the same as those of pawn shops. Such as remittance loan. The difference here is mainly because the first two financing methods are allowed by national laws, while many private loans are evaded by laws and need to be identified.
Extended data:
operation flow
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 an enterprise's loan application is approved by SDB, banks and enterprises 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.