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.

What information do small business loans need?

SME loan application materials: 1, valid identity documents and proof of residence address; , private enterprise business license, tax registration certificate, legal person code certificate and other administrative qualification certificates; Private enterprise tax payment certificate (or loan card); Audited financial statements of the previous year; To apply for a pledged loan, the pledge of rights required for the guarantee shall be submitted; Where the pledge is made with the rights of a third party, the identity certificate of the pledger, the pledge authorization letter and the written document agreeing to pledge shall also be provided; To apply for a loan by real estate mortgage, the borrower must provide two or more sets of real estate ownership certificates and written documents that someone agrees to mortgage the house; If the real estate under the name of a third person is mortgaged, the identity certificate of the property owner, the mortgage authorization letter and the written document of the house owner agreeing to mortgage shall also be provided; If the borrower or a third party mortgages the property owned by * * * *, a written document agreeing to mortgage must be issued by the property owner, and the property owner must sign a mortgage contract. Can prove the purchase and sale contract or invoice suitable for its business scope; 0. Other information stipulated by the bank.

How to apply for small and micro enterprise loans?

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 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 are 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.

What are the conditions for small and micro enterprise loans?

I. Conditions:

1, with abundant cash flow.

2. Small and micro business owners have good credit.

This enterprise has been very successful for more than two years.

4. Be able to provide effective financial proof.

5. Small and micro business owners are willing to repay and have the ability to repay in full and on time.

6. Other conditions required by the bank.

Two, according to the loan period: short-term loans, medium-term loans and long-term loans.

1. Short-term loan: refers to the loan with a loan term of 1 year (inclusive).

2. Medium-term loan: refers to the loan with a loan term of 1 year (excluding) to 5 years (including).

3. Long-term loans: refers to loans with a loan term of more than 5 years (excluding 5 years).

Extended data:

Enterprise loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans and so on.

First, the process of small and micro enterprises applying for credit loans:

1. application

① Credit application and resolution of the board of directors of the enterprise (as required by the articles of association)

(2) the specific purpose of enterprise loans and the direction of capital use (plan and total amount of funds).

③ Analyze repayment plans and measures, and analyze the cash flow of repayment funds every month.

(4) Mortgage situation, other relevant legal documents and letters, etc.

Step 2 review

(1) project

② Credit evaluation

③ Feasibility analysis

④ Comprehensive judgment

⑤ Pre-loan review

3. After reviewing the loan application, the contracting bank considers that all of them meet the requirements and agree to the loan, and shall sign a loan contract with the lender.

4. Lending

After the signing of this contract, both parties shall verify the loan as agreed in the contract. The financing party can go through the withdrawal procedures according to the contract: when withdrawing money, the financing party fills in the withdrawal voucher uniformly formulated by the bank, and then goes through the withdrawal procedures at the bank.