Enterprise loan refers to a method of borrowing money from banks or other financial institutions according to prescribed interest rates and terms for the needs of production and operation. Corporate loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technological transformation. Below, we introduce what conditions must be met for a business loan.

Enterprise loan application conditions are as follows:

1. Comply with national industry and industry policies, and are not high-pollution, high-energy-consuming small businesses;

2 . The enterprise has a good reputation in various commercial banks and has no bad credit record;

3. It has a business license approved and registered by the industrial and commercial administration department and has passed the annual inspection, and holds a loan issued by the People's Bank of China and subject to normal annual inspection. card;

4. Have necessary organizational structure, operation management system and financial management system, have a fixed basis and business location, operate legally, and have a marketable and profitable product;

5 , have the ability to perform contracts and repay debts, have good repayment intentions, have no bad credit records, and have credit asset risks classified as normal or concern categories affected by non-financial factors;

6. Business operators or actual The controller has more than 3 years of working experience, good quality, and no bad personal credit record;

7. The business operation is stable, the establishment period is in principle more than 2 years (inclusive), and there is at least one accountant or more Annual financial report, with sales revenue growth and positive gross profit for 2 consecutive years;

8. Comply with the establishment of industry credit policies related to small business business;

9. Able to comply with National financial regulations, policies and relevant bank regulations;

10. Open a basic settlement account or general settlement account at the applicant bank.

The application materials are as follows:

Basic company information

1.

Enterprise business license, organization code certificate, account opening license, Tax registration certificate, company articles of association, capital verification report, loan card;

2.

Annual reports for the past three years, financial statements for the past three months, and company statements for the past six months ;

3.

Business site lease contract and rent payment receipt, water and electricity bills for the past three months;

4.

Various tax bills in the past six months, signed purchase and sales contracts (if any);

5.

Proof of assets in the name of the company.

Personal information

1.

ID cards of the borrower and spouse;

2.

Real estate certificate ID card of the right holder and spouse;

3.

Household registration book of the borrower and property right holder;

4.

Borrower , Marriage certificate of the real estate owner;

5.

Proof of personal assets, such as real estate, cars, stocks, bonds, etc.;

6.

Personal bank statements in the past six months or one year.