Requirements: It must be established with the approval of the State Administration for Industry and Commerce, registered, obtained a business license, independent economic accounting, independent operation, self-financing, the ability to repay the principal and interest on schedule, a certain amount of self-owned funds and product market, and the production and operation need to be profitable and law-abiding. It is required to open a basic account in a bank with a general deposit account, and the asset-liability ratio must meet the requirements of the bank.

Matters needing attention in enterprise loans

It should be noted that general enterprises need a large amount of funds. Enterprises mainly want to obtain large loans smoothly, and it is best to provide collateral that meets the requirements to lending institutions.

When applying for a loan, business owners must determine the amount and duration of the loan according to their own actual conditions, so as to avoid unnecessary troubles caused by failure to repay in full and on time. Enterprises that want to apply for loans need to have a business license, the operating period is more than one year or more, and they can provide an average monthly operating flow within a certain period of time, otherwise it will be difficult to obtain loans smoothly.