Can the newly established company in Baoji, Shaanxi Province get a loan?
We know that when lending to enterprises, loan companies will judge whether enterprises have the ability to repay loans through cash flow, financial statements, revenue capacity and profitability. However, if the company has just been established, there is no cash flow, and it is impossible to provide corporate financial statements, the loan company will certainly not be able to judge whether the company can make money. If you don't have the ability to generate income, the loan will face irreparable risks.
Therefore, if Baoji Company wants to borrow money, it must be established for at least 2 years, be able to provide financial reports for 1 fiscal year, and its sales revenue has increased for 2 consecutive years, and must meet the basic loan conditions.
Loan terms of Shaanxi Baoji Company:
1, a legal person or shareholder with a registered time of not less than 2 years and more than 2 years of industry-related experience;
2. The operating flow of the enterprise is not less than 500,000, and the invoiced turnover in the last six months is more than 6,543,800+0.5 million, which can provide financial statements in the last two years.
3. The cash flow of the enterprise should be normal, the gross profit should not be less than 10%, the profit rate should not be less than 5%, and the debt ratio of the enterprise should not exceed 60~70%.
4. Have a 2-year tax payment record in good faith, with a tax grade of D or above, and no tax evasion in the past 6 months.
4. An enterprise as a legal person should have good credit and no overdue records within half a year.