1. What skills need to be mastered to obtain loans for small and micro enterprises?
Loans for small and micro enterprises are difficult, but in fact, as long as you choose the right method.
Loan difficulties can be better solved. Below we provide loan financing solutions for two types of small and micro enterprises.
A type of enterprise Problem: There are good projects and good planning, but lack of start-up capital and working capital. Method: Through the support of financial experts, seek "venture capital" for financing. The main goal of financing is to win private capital and small loans, as well as loan products launched by some banks for small and micro enterprises.
Category II Enterprises Problem: The company has a certain amount of investment, but the company system is imperfect, the finances are unclear, and the operational risks are high. Method: First, the enterprise must be integrated to make its system perfect and its finances clear.
Secondly, if you are short of assets, you can get a loan through "factoring business", that is, relying on the reputation of the company with which you have a debt relationship. Thirdly, you can also use the large amount of funds provided by the company's suppliers to revitalize the company's cash flow.
2. What is the basis for successful loans to small and micro enterprises?
1. Keep to yourself and never go out of line.
As a small and micro enterprise operator, you must pay attention to the market value of integrity. Starting from now, strive to establish an image of corporate integrity externally. You must abide by yourself, operate legally, never deviate from the rules, play tricks, and keep your promises with integrity. , the corporate integrity image will accompany you throughout your life and bring you unexpected wealth. 2. Work steadily and win every step of the way.
When operating, you must live within your means, first calculate the profit point and repayment ability, and do not ask for a loan of 2 million for a capital of 500,000. The loan period should also be realistic. If you can repay it in one year, don't guarantee: "Six months is enough."
In addition, limited funds should be concentrated on the main business, and there is no requirement for full flowering, full results, or becoming a fat man in one bite. 3. Master the tools and use them flexibly.
Facing the trend of economic globalization, it is not enough for operators to just understand their own products. They must also learn finance and taxation knowledge, be familiar with financial tools, and operate financial products flexibly. For example, there are various types of bank loans, including movable and real estate mortgage loans, patent intellectual property mortgage loans, plant and equipment mortgage loans, natural person property mortgage or guaranteed loans, export tax refund certificate mortgage loans, and standard warehouse receipt mortgage loans.
For import and export enterprises, they can also flexibly use various types of bank trade financing, such as bill discount, letter of credit, buyer's credit, letter of guarantee, etc. There are also many channels for corporate financing, including direct financing and indirect financing.
For direct financing, technology-based enterprises can strive for funding and interest discounts from the National Innovation Fund; they can also absorb partners, invest in shares, and join forces. For indirect financing, if you need to purchase large equipment, you can engage in financial leasing; if you are short of short-term funds, you can adjust positions in a pawn shop.
4. Find the right family and make friends to the end. Some companies mistakenly believe that making friends with banks will facilitate future borrowing, so they open accounts in more than a dozen banks.
Let’s not talk about the “capital cost” of each account. The “emotional cost” alone is too much for you to deal with. Enterprises should choose a nearby bank to open an account for settlement that they think has good service. The advantage of this is that it concentrates funds and settlement, allowing the bank to see that your trade is booming, and it also allows the bank to see your sincerity.
The better you let the bank know you, the more likely you are to make friends, and even become friends in times of need. The bank knows you very well and is willing to help you at critical moments.
As an operator, you must eliminate various shortcomings in business operations and establish integrity in order to gain support from banks and society.
3. What are the precautions for loans to small and micro enterprises?
With all the materials ready, small and micro business owners should first prepare the necessary basic information and apply for a loan at the bank. The bank will apply for the loan based on the information. On-site investigation is carried out to inquire about the company's settlement volume, daily average deposits, and the credit status of shareholders to determine the amount of loans to be issued; then the staff will declare within the bank, and if the declaration is passed, the loan can be issued.
With complete documents, a credit loan can usually be completed in about 10 working days. Basic information includes business license, organization code certificate, tax registration certificate, company articles of association, loan card, and account opening license (the latter two can be obtained from the People's Bank of China).
Money needs to be used for business operations and cannot be used for fixed investment. In fact, in order to reduce risks, banks have taken a series of measures. For example, in the loan conditions, the bank stipulates that in the event of money problems, the business owner will be jointly and severally liable. When taking a loan, the business owner must also provide real estate information to determine the strength of the company, although the real estate is not required as collateral.
In addition to this situation, banks also impose restrictions on the use of loan money. The bank stipulates that the money needs to be used for business operations and cannot be used for fixed investment, let alone buying stocks.
Even if the bank approves the loan, it will also monitor the account and take measures if money problems are discovered.
4. What should you pay attention to when getting loans for small and micro enterprises?
1.
Select the "corresponding" bank. Due to practical problems such as information asymmetry, lack of guarantees, high transaction costs, and high risk factors in small business loan business, many large banks appear to be extremely "harsh" in lending to them.
However, there are also some specialty banks that focus on loans to small and micro businesses and help small businesses grow together through differentiated services. For example, in the case, the city commercial bank used sinking services such as segmented operations and fixed-point appointments to innovate the "three products and three products" loan investigation to look at "character, products, collateral" and "water meters, electricity meters and customs statements". Form" to effectively solve the risk control problems in small and micro credit.
2. Choose the right loan product.
For small businesses in their initial stage of development, not only the frequency of receiving orders and stocking up of goods is not fixed, but also the purchase quantity, quality and price are often unstable. In addition, there is a lack of effective collateral and guarantee methods. Therefore, some more conservative normalized loan products do not meet the needs of such small business owners in terms of loan conditions, approval time, and repayment constraints. Therefore, in response to the "short-term, frequent and urgent" loan needs, small business owners should try their best to choose flexible, efficient and fast-handling loan products to meet their financing needs, such as the bank's credit cards, e-commerce loans, whole loans and zero repayments, etc. The product is tailor-made for small business owners.
3. Long term cooperation.
When a bank accepts a loan application from a small business, it will conduct a detailed understanding and investigation of the company's operating conditions, assets and liabilities, and development trends, fully understand the company's dynamics, and conduct risk control management through various investigation techniques. . If an enterprise develops long-term cooperation with a bank, the bank can grasp the financial status of the enterprise and understand the enterprise's information, loan credit, and capital flow, thus saving time in pre-loan investigations.
5. What is a small and micro enterprise loan?
Personal business loans refer to loans issued by banks to borrowers for the purpose of working capital turnover, purchasing or updating business equipment, and paying for lease operations. Loans for legal production and business activities such as site rental and commercial building decoration.
The application conditions are as follows: (1) The borrower has a fixed residence, permanent residence or valid residence certificate. (2) Have full capacity for civil conduct and be the legal person or largest shareholder of the enterprise using the loan.
(3) Have a valid business license and legal person code certificate, the company has no bad credit record, operates in accordance with the law, pays taxes in accordance with the law, and has good performance. (4) Have high economic income and sufficient personal property, and have the ability to repay the principal and interest of the loan on schedule.
(5) No bad credit or debt record, and be able to provide a mortgage, pledge or guarantee recognized by the bank. (6) Other conditions specified by the bank.
6. What should you pay attention to when applying for loans to small and micro enterprises
1. Good corporate credit is very important. As far as I know, banks will examine the credit situation of small and micro enterprises from four aspects: First, Bank credit mainly depends on whether the enterprise has violated settlement disciplines, fines, etc. in its cash settlement business, and whether there have been overdue repayments on previous bank loans; the second is commercial credit, which mainly depends on whether the enterprise has fulfilled its contractual obligations as required. , whether debts are paid off on time; the third is financial credit, which mainly depends on whether the financial statements are true and reliable; the fourth is tax credit, which mainly depends on whether the enterprise has a record of tax evasion and tax payment.
If small and micro enterprises can realize good cash in these aspects, then loans will become relatively easier.
2. Choose the right loan product. Currently, many banks have launched a series of loan products specifically for small and micro enterprises. However, the requirements of different products are also very different. Therefore, when choosing a loan product, business owners need to compare multiple loans to find the one that suits them. Improve work efficiency.
3. Clarify the amount of loan required. If the loan funds are insufficient, it will definitely restrict the development of the enterprise, but too much loan funds will not only increase costs, but also cause a waste of resources. Therefore, borrowers must consider this issue before taking out a loan.
4. Determine the loan term It is very important to determine a reasonable loan term, because the longer the term, the more interest will be paid, so the borrowing company needs to determine a reasonable loan term based on its actual situation.
7. What are the steps for small and micro enterprise loans
Investigation stage: Applicants need to investigate which banks and small loan institutions in their city have small and micro enterprise loans, and check their own Whether the conditions are met, which kind of loan is suitable for your enterprise, specific loan amount, term, requirements and application materials preparation, etc.
Preparation stage: After the first stage of investigation, you have a certain understanding of small and micro enterprise loan products. At this time, you need to determine the bank and related products you want to apply for a loan, and follow the loan Prepare application materials for product requirements. If you apply for a guarantee or mortgage loan, the applicant needs to apply for the corresponding mortgage property certificate or prepare relevant materials for the guarantor at this stage.
Application stage: After preparing the information, you can go to the bank to apply. At this stage, you need to fill in the application form, submit application materials, prepare loan cards and other procedures in accordance with the bank's requirements.
The bank will review the information you submitted and will notify the applicant if the application is passed. Processing stage: Entering this stage indicates that the applicant has completed the loan application.
The applicant needs to sign a guarantee contract with the guarantor, a loan contract with the bank, a property mortgage contract, a loan purpose certificate and other different types of contracts. After the bank implements the loan conditions, it will handle the loan procedures according to the prescribed procedures and transfer the loan funds to the borrower's account opened with the bank.
Repayment stage: This stage means that the applicant needs to repay the loan on time and in accordance with the contract. Whether you are a business or an individual, you need to be aware of repaying your debt on time, because defaulting will have a negative impact on your credit record, and will have a negative impact on your subsequent financial business in the bank, and the gain outweighs the loss.